481 Horne Rd, Tryon, NC 28782 Property Records

Polk County property record for 481 Horne Rd, Tryon, NC 28782

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 2,128 sqft · built 1995
Lot Size	4.94 acres (215,186 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Sep 2017)
Tax Bill	$1,172 (2025)
Deeds & Mortgages	Sep 2017 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`P108-83`

Property Details

APN / Parcel Number

Primary APN	`P108-83`
Alternative APN	`55347`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,128 sqft Finished Area

Exterior

Year Built	Built 1995
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	215,186 sqft (4.94 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	55347
Street Address	481 HORNE RD
City	TRYON
State	NC
Zip	28782-8759
Property Category	Other
Property Type	Other > Other Improved
Legal Description	600, 0000 00 X 00, 600 600 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	2
Census Block	2028
Census Tract	920101

Owner

Source: Polk County records, as of September 29, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	481 HORNE RD, TRYON, NC 28782-8759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2017 · Amount on Record
Deed Sale	Sep 18, 2017 · Amount on Record
Deed Document Number	0004282217
Deed Book / Page	428 / 2217
Record Updated	Jun 8, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 18, 2017
Property Address	481 HORNE RD, TRYON, NC 28782-8759
Document Number	00428/2217
Book / Page	428 / 2217
Instrument Date	Sep 15, 2017
Instrument	004662450003
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1017 EUCLID AVE NE, 1017, ATLANTA, GA 30307-1934

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	481 HORNE RD, TRYON, NC 28782-8759

Mortgage

Document Number	00428/2220
Date	Sep 18, 2017
Book Page	428/2220
Instrument	004602460004

Lender

Name	DERRICK CASPER SCHROFF
Type	Private Party
Address	1017 EUCLID AVE NE, ATLANTA, GA 30307

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,172.00 (+22.72%)	$220,558 (+47.28%) Land $96,070 Building $124,488	$220,558 (+47.28%) Land $96,070 Building $124,488
2023	$955.00	$149,755 Land $69,400 Building $80,355
2021			$149,755 Land $69,400 Building $80,355

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	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2020 · Severe Storms, Tornadoes, And Flooding

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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