486 S Trade St, Tryon, NC 28782 Property Records

Polk County property record for 486 S Trade St, Tryon, NC 28782

Property Summary

Property Type	Office Building
Details	1 ba · 1,482 sqft · built 1960
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on Record
Last Sale	$205,000 (Oct 2022)
Tax Bill	$1,139 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T9-A3`

Property Details

APN / Parcel Number

Primary APN	`T9-A3`
Alternative APN	`52470`

Interior

Total Rooms	1 Room
Building Area	1,482 sqft Finished Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,326 sqft (0.26 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	52470
Street Address	486 S TRADE ST
City	TRYON
State	NC
Zip	28782-2787
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	M
Legal Description	TRYON OPTOMETRIC, T9A T9A
Legal Subdivision	T9A
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1027
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	Company Name on Record
Mailing Address	PO BOX 1014, TRYON, NC 28782-1014
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Deed of Trust, Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 12, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 28, 2022	Warranty Deed, Transfer · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Book / Page	474 / 28
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	486 S TRADE ST, TRYON, NC 28782-2787
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00447/2108
Date	Apr 8, 2020
Book Page	447/2108

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	486 S TRADE ST, TRYON, NC 28782-2787
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 N MAIN ST, ASHEVILLE, NC 28801

Mortgage

Document Number	00464/2319
Date	Nov 12, 2021
Book Page	464/2319

Lender

Name	TRUIST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 28, 2022
Property Address	486 S TRADE ST, TRYON, NC 28782-2787
Document Number	0000474/28
Book / Page	474 / 28
Instrument Date	Oct 1, 2022
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 N MAIN ST, RUTHERFORDTON, NC 28139-2505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1014, TRYON, NC 28782-1014

Mortgage

Document Number	0000047432
Date	Oct 28, 2022
Instrument	474/32

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$1,139.00	$246,179 (-) Land $39,000 Building $207,179	$246,179 (-) Land $39,000 Building $207,179
2025	$1,139.00 (+34.16%)	$246,179 (+66%) Land $39,000 Building $207,179	$246,179 (+66%) Land $39,000 Building $207,179
2023	$849.00	$148,302 Land $39,000 Building $109,302
2021			$148,302 Land $39,000 Building $109,302

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2018 · other causes

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 78 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on S Trade St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures