470 Winners Cir, Tryon, NC 28782 Property Records

Polk County property record for 470 Winners Cir, Tryon, NC 28782

Property Summary

Property Type	Other Improved
Details	2 bd · 2 ba · 1,104 sqft · built 2017
Lot Size	2.39 acres (104,108 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Mar 2021)
Tax Bill	$1,310 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T5-E1`

Property Details

APN / Parcel Number

Primary APN	`T5-E1`
Alternative APN	`55879`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,104 sqft Finished Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	104,108 sqft (2.39 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	55879
Street Address	470 WINNERS CIR
City	TRYON
State	NC
Zip	28782-2765
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	M
Legal Description	SPL, 0T07 TRYON HILLS
Legal Subdivision	TRYON HILLS
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	4
Census Block	4019
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	470 WINNERS CIR, TRYON, NC 28782-2765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZEN B&T CO
Mar 29, 2021	Warranty Deed, Transfer · Commercial Mortgage WILLARD D FERRELL ETUX
Mar 26, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2021 · Amount on Record
Deed Sale	Mar 29, 2021 · Amount on Record
Prior Sale	Mar 29, 2021 · Amount on Record
Deed Book / Page	457 / 2256
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	470 WINNERS CIR, TRYON, NC 28782-2765
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000432/0000001009
Date	Mar 26, 2018
Book Page	0000000432/0000001009
Instrument	004691740017

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Apr 1, 2023
Index	Other

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 29, 2021
Property Address	470 WINNERS CIR, TRYON, NC 28782-2765
Document Number	000457/256
Book / Page	457 / 256
Map Reference	FILE F PG 893
Instrument Date	Mar 25, 2021
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2849 OLD FORT RD, 2849, BLACK MOUNTAIN, NC 28711-6008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 WINNERS CIR, TRYON, NC 28782-2765

Mortgage

Document Number	0000457259
Date	Mar 29, 2021
Instrument	457/259

Lender

Name	WILLARD D FERRELL ETUX
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 26, 2018
Property Address	470 WINNERS CIR, TRYON, NC 28782-2765
Document Number	00432/1007
Book / Page	432 / 1007
Instrument Date	Mar 26, 2017
Instrument	004691730002
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 WINNERS CIR, TRYON, NC 28782-2765

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	$1,310.00	$283,102 (-) Land $59,625 Building $223,477	$283,102 (-) Land $59,625 Building $223,477
2025	$1,310.00 (+6.94%)	$283,102 (+32.28%) Land $59,625 Building $223,477	$283,102 (+32.28%) Land $59,625 Building $223,477
2023	$1,225.00	$214,010 Land $59,625 Building $154,385
2021			$214,010 Land $59,625 Building $154,385

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	2 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 48% of the US · above 70% 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 138 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	200 / 20

May also be available: Pangaea Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Winners Cir

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