535 Lockhart Rd, Tryon, NC 28782 Property Records

Polk County property record for 535 Lockhart Rd, Tryon, NC 28782

Property Summary

Property Type	Apartments (5+ Units)
Details	2 bd · 2 ba · 1,616 sqft · built 1920
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Tax Bill	$679 (2026)
Deeds & Mortgages	May 2026 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T14-F1`

Property Details

APN / Parcel Number

Primary APN	`T14-F1`
Alternative APN	`13875`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,616 sqft Finished Area
Basement Area	808 sqft
Finished Basement	808 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Exterior Material	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	27,007 sqft (0.62 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	13875
Street Address	535 LOCKHART RD
City	TRYON
State	NC
Zip	28782-2771
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	M
Legal Description	T14, T14 MAP T14
Legal Subdivision	MAP T14
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1002
Census Tract	920304

Owner

535 Lockhart Rd, a residential property, is owned and occupied by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	535 LOCKHART RD, TRYON, NC 28782-2771
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Dec 8, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 14, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1997
Deed Sale	Dec 31, 1997
Deed Book / Page	95 / 1898
Last Transfer Date	May 13, 2025
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	May 7, 2026
Property Address	535 LOCKHART RD, TRYON, NC 28782-2771
Document Number	0499001383
Book / Page	499 / 1383
Instrument Date	May 1, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 LOCKHART RD, TRYON, NC 28782-2771

Mortgage

Document Number	0499001383,
Date	May 7, 2026
Book Page	499/1383

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	535 LOCKHART RD, TRYON, NC 28782-2771
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000430/908
Date	Dec 8, 2017
Book Page	430/908
Instrument	004672420017

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	535 LOCKHART RD, TRYON, NC 28782-2771
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00442/1071
Date	Aug 14, 2019
Book Page	442/1071

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 535 Lockhart Rd was $679.

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	$679.00	$146,720 (-0.06%) Land $40,300 Building $106,420	$146,720 (-0.06%) Land $40,300 Building $106,420
2025	$679.00	$146,801 Land $40,300 Building $106,501	$146,801 Land $40,300 Building $106,501
2023	$606.00	$105,944 Land $31,000 Building $74,944
2021			$105,944 Land $31,000 Building $74,944

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 535 Lockhart Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1984.

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	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

Wildfire risk around 535 Lockhart Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.07% 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 195 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 · Fiber in parts of the area	200 / 20

May also be available: Pangaea Internet.

Cell Coverage

5G and 4G LTE (outdoors only)

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