550 S River Rd, Tryon, NC 28782 Property Records

Polk County property record for 550 S River Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,998 sqft · built 1980
Lot Size	4.78 acres (208,217 sqft)
Owner	Individual Name on Record
Last Sale	$740,000 (Mar 2026)
Tax Bill	$2,559 (2025)
Deeds & Mortgages	Mar 2026 Sale Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P62-8`

Property Details

APN / Parcel Number

Primary APN	`P62-8`
Alternative APN	`28837`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,998 sqft Finished Area
Basement Area	1,998 sqft
Unfinished Basement	1,998 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	208,217 sqft (4.78 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	28837
Street Address	550 S RIVER RD
City	TRYON
State	NC
Zip	28782-7880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE5
Legal Description	P62, P62 MAP P62
Legal Subdivision	MAP P62
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	4
Census Block	4002
Census Tract	920304

Owner

Source: Polk County records, as of April 10, 2026

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
Mailing Address	550 S RIVER RD, TRYON, NC 28782-7880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Warranty Deed, Transfer
Aug 3, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Book / Page	498 / 1578
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 31, 2026
Property Address	550 S RIVER RD, TRYON, NC 28782-7880
Document Number	00498/1578
Book / Page	498 / 1578
Instrument Date	Mar 27, 2026
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Tax	$1,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	624 BELLE GATE PL, CARY, NC 27519-8958

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 S RIVER RD, TRYON, NC 28782-7880

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 3, 2020
Property Address	550 S RIVER RD, TRYON, NC 28782-7880
Document Number	00450/2086
Book / Page	450 / 2086
Map Reference	FILE F PG 1496
Instrument Date	Jul 30, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 S RIVER RD, 426, TRYON, NC 28782-7879

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	550 S RIVER RD, TRYON, NC 28782-7880

Mortgage

Document Number	0004502090
Date	Aug 3, 2020
Instrument	450/2090

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 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	$2,559.00 (+9.31%)	$451,737 (+33.38%) Land $112,920 Building $338,817	$451,737 (+33.38%) Land $112,920 Building $338,817
2023	$2,341.00	$338,696 Land $79,690 Building $259,006
2021			$338,696 Land $79,690 Building $259,006

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	2 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

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

Wildfire Risk	Moderate above 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

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

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