45 Elm St, Tryon, NC 28782 Property Records

Polk County property record for 45 Elm St, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 905 sqft · built 1977
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$387 (2026)
Deeds & Mortgages	Sep 2023 Sale Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T7-E5`

Property Details

APN / Parcel Number

Primary APN	`T7-E5`
Alternative APN	`18577`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	905 sqft Finished Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	18577
Street Address	45 ELM ST
City	TRYON
State	NC
Zip	28782-3141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	T7, 0T51 TRYON AREA 51
Legal Subdivision	TRYON AREA 51
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	3
Census Block	3015
Census Tract	920304

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	362 MARKHAM RD, TRYON, NC 28782-3122
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Warranty Deed, Transfer
Aug 1, 2022	Warranty Deed, Transfer
Feb 23, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1997
Deed Sale	Dec 31, 1997
Deed Book / Page	214 / 2137
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 20, 2023
Property Address	45 ELM ST, TRYON, NC 28782-3141
Document Number	00480/1889
Book / Page	480 / 1889
Map Reference	FILE B PG 75
Instrument Date	Sep 11, 2023
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4535 SAINT GERMAIN BLVD, CLEVELAND, OH 44128-6205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 MARKHAM RD, TRYON, NC 28782-3122

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 1, 2022
Property Address	45 ELM ST, TRYON, NC 28782-3141
Document Number	00471/2253
Book / Page	471 / 2253
Map Reference	FILE B PG 75
Instrument Date	Jul 29, 2022
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	362 MARKHAM RD, 362, TRYON, NC 28782-3122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4535 SAINT GERMAIN BLVD, CLEVELAND, OH 44128-6205

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Feb 23, 2022
Property Address	45 ELM ST, TRYON, NC 28782-3141
Document Number	00467/1927
Book / Page	467 / 1927
Map Reference	FILE B PG 75
Instrument Date	Feb 14, 2022
Transaction Type	Transfer
Record Updated	Mar 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 326, BELMONT, NC 28012-0326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 MARKHAM RD, TRYON, NC 28782-3122

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Municipality	Tryon Town
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$387.00	$83,798 (-) Land $9,000 Building $74,798	$83,798 (-) Land $9,000 Building $74,798
2025	$387.00 (+8.4%)	$83,798 (+34.15%) Land $9,000 Building $74,798	$83,798 (+34.15%) Land $9,000 Building $74,798
2023	$357.00 (+2.88%)	$62,468 (-0.64%) Land $8,000 Building $54,468
2022	$347.00	$62,868 Land $8,400 Building $54,468
2021			$62,468 Land $8,000 Building $54,468

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF TRYON serves 5,494 people · EPA ID NC0175010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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