536 N Trade St, Tryon, NC 28782 Property Records

Polk County property record for 536 N Trade St, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 972 sqft · built 1910
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$147,500 (Mar 2025)
Tax Bill	$867 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T10-B1`

Property Details

APN / Parcel Number

Primary APN	`T10-B1`
Alternative APN	`55363`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	972 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Metal
Lot Area	13,504 sqft (0.31 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	55363
Street Address	536 N TRADE ST
City	TRYON
State	NC
Zip	28782-5597
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOT B, T10 MAP T10
Legal Subdivision	MAP T10
Legal Tract	B
Legal Lot Number	B
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	3
Census Block	3029
Census Tract	920304

Owner

536 N Trade St is owned and occupied by two individuals who bought it in March 2025.

Source: Polk County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	536 N TRADE ST, TRYON, NC 28782-5597
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Sep 22, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2025 · Amount on File
Deed Sale	Mar 14, 2025 · Amount on File
Prior Sale	Sep 22, 2017 · Amount on File
Deed Book / Page	490 / 1840
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	536 N TRADE ST, TRYON, NC 28782-5597
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000496/824
Date	Dec 12, 2025
Book Page	496/824

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	4.36%
Max Rate At Change	8.36%
Index	1-Year CMT
Max Rate	11.3%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	536 N TRADE ST, TRYON, NC 28782-5597
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000429/007
Date	Sep 22, 2017
Book Page	429/007
Instrument	004663430010

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 22, 2017
Property Address	536 N TRADE ST, TRYON, NC 28782-5597
Document Number	00429/0004
Book / Page	429 / 0004
Instrument Date	Sep 22, 2017
Instrument	004663420003
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Tax	$1,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 SOUNDVIEW DR, 6200, HARBOR HEIGHTS, WA 98338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	536 N TRADE ST, TRYON, NC 28782-5597

Tax Assessment & Valuation

The 2026 property tax bill for 536 N Trade St was $867, up 7.7% from the year before.

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	$867.00 (+7.7%)	$187,393 (+7.64%) Land $31,000 Building $156,393	$187,393 (+7.64%) Land $31,000 Building $156,393
2025	$805.00	$174,095 Land $31,000 Building $143,095	$174,095 Land $31,000 Building $143,095
2023	$895.00	$156,255 Land $38,750 Building $117,505
2021			$156,255 Land $38,750 Building $117,505

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

Flood

FEMA maps place 536 N Trade St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	3 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

Wildfire risk around 536 N Trade St is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250

May also be available: Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Trade St

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