Polk County property record for 455 Sandy Plains Rd, Tryon, NC 28782
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,476 sqft · built 1962 |
| Lot Size | 2.29 acres (99,752 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Jan 2022) |
| Tax Bill | $2,017 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P107-23 |
| Primary APN | P107-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,476 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Lot Area | 99,752 sqft (2.29 acres) |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 54036 |
|---|---|
| Street Address | 455 SANDY PLAINS RD |
| City | TRYON |
| State | NC |
| Zip | 28782-8743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | SANDY PLAINS RD, 600B 600B COUNTY RURAL |
| Legal Subdivision | B COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | COLUMBUS |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 920101 |
455 Sandy Plains Rd is owned and occupied by two individuals who bought it in January 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 455 SANDY PLAINS RD, TRYON, NC 28782-8743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2022 · Amount on File |
| Deed Sale | Jan 24, 2022 · Amount on File |
| Prior Sale | May 6, 2016 · Amount on File |
| Deed Book / Page | 467 / 105 |
| Prior Transfer Date | May 2, 2016 |
| Prior Transfer Doc | 00419/0349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 455 SANDY PLAINS RD, TRYON, NC 28782-8743 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 455 SANDY PLAINS RD, TRYON, NC 28782-8743 |
| Document Number | 000498/971 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | 498/971 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Jan 24, 2022 |
| Property Address | 455 SANDY PLAINS RD, TRYON, NC 28782-8743 |
| Document Number | 000467/105 |
| Book / Page | 467 / 105 |
| Instrument Date | Jan 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 455 SANDY PLAINS RD, 455, TRYON, NC 28782-8743 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 455 SANDY PLAINS RD, TRYON, NC 28782-8743 |
| Document Number | 0000467108 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 467/108 |
| Name | KELLER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2026 property tax bill for 455 Sandy Plains Rd was $2,017.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,017.00 | $379,640 (-) Land $59,930 Building $319,710 | $379,640 (-) Land $59,930 Building $319,710 |
| 2025 | $2,017.00 | $379,640 Land $59,930 Building $319,710 | $379,640 Land $59,930 Building $319,710 |
| 2023 | $902.00 | $141,350 Land $51,930 Building $89,420 | |
| 2021 | $141,350 Land $51,930 Building $89,420 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 455 Sandy Plains Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2015.
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 | 2 in force |
| Nearby Flood Claims | 5 (2015–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 455 Sandy Plains Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Pangaea Internet Fiber | 500 / 500 |
| Starlink Satellite | 280 / 30 |
May also be available: Spectrum, Windstream.
5G (outdoors only) and 4G LTE
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