498 Winterset Trl, Tryon, NC 28782 Property Records

Polk County property record for 498 Winterset Trl, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,744 sqft · built 2002
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,000 (Apr 2010)
Tax Bill	$2,696 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P76-110`

Property Details

APN / Parcel Number

Primary APN	`P76-110`
Alternative APN	`31932`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,744 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	1,344 sqft
Parking Spaces	5 Parking Spaces
Porch	Screened Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	31932
Street Address	498 WINTERSET TRL
City	TRYON
State	NC
Zip	28782-6627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT A, 0W16 WINTERSET TRAIL
Legal Subdivision	WINTERSET TRAIL
Legal Tract	A
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1019
Census Tract	920103

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	498 WINSET TRL, TRYON, NC 28782
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 28, 2019	Deed of Trust, Mortgage · Balloon Mortgage STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2010 · Amount on Record
Deed Sale	Apr 28, 2010 · Amount on Record
Deed Book / Page	380 / 246
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	498 WINTERSET TRL, TRYON, NC 28782-6627
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	456/1344
Date	Feb 15, 2021
Book Page	456/1344

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	COLUMBUS, NC 28722

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	498 WINTERSET TRL, TRYON, NC 28782-6627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	451/1736
Date	Sep 8, 2020
Book Page	451/1736

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	2%
Index	5-Year CMT
Max Rate	6%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	498 WINTERSET TRL, TRYON, NC 28782-6627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	441/1220
Date	Jun 28, 2019
Book Page	441/1220

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Balloon 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
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,696.00	$515,808 (-) Land $83,000 Building $432,808	$515,808 (-) Land $83,000 Building $432,808
2025	$2,696.00 (+8.53%)	$515,808 (+32.21%) Land $83,000 Building $432,808	$515,808 (+32.21%) Land $83,000 Building $432,808
2023	$2,484.00	$390,132 Land $62,000 Building $328,132
2021			$390,132 Land $62,000 Building $328,132

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	2 (2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2013 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Winterset Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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