56 Stone Ridge Ln, Tryon, NC 28782 Property Records

Polk County property record for 56 Stone Ridge Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,436 sqft · built 1925
Lot Size	5.83 acres (253,955 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Feb 2022)
Tax Bill	$5,665 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P48-95`

Property Details

APN / Parcel Number

Primary APN	`P48-95`
Alternative APN	`54288`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Total Rooms	8 Rooms
Building Area	2,436 sqft Finished Area
Basement Area	2,251 sqft
Unfinished Basement	2,251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	253,955 sqft (5.83 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	54288
Street Address	56 STONE RIDGE LN
City	TRYON
State	NC
Zip	28782-5525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	P48, PLAT # 1921B, P48 MAP P48
Legal Subdivision	MAP P48
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	3
Census Block	3007
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	2 Individual Names on Record
Mailing Address	56 STONE RIDGE LN, TRYON, NC 28782-5525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 23, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Prior Sale	Nov 23, 2020 · Amount on Record
Deed Book / Page	467 / 1932
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	56 STONE RIDGE LN, TRYON, NC 28782-5525
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00480/2242
Date	Sep 27, 2023
Book Page	480/2242

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	56 STONE RIDGE LN, TRYON, NC 28782-5525
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 STONE RIDGE LN, TRYON, NC 28782-5525

Mortgage

Document Number	00468/2305
Date	Apr 4, 2022
Book Page	468/2305

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 23, 2020
Property Address	56 STONE RIDGE LN, TRYON, NC 28782-5525
Document Number	000454/668
Book / Page	454 / 668
Map Reference	PL 13861B
Instrument Date	Nov 9, 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	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2994 BOLINGBROKE LANE, 2994, TRAPPE, MD 21673

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000454674
Date	Nov 23, 2020
Instrument	454/674

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 23, 2022
Property Address	56 STONE RIDGE LN, TRYON, NC 28782-5525
Document Number	00467/1932
Book / Page	467 / 1932
Map Reference	CARD G PG 155
Instrument Date	Nov 9, 2020
Transaction Type	Transfer
Record Updated	Mar 24, 2022

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29994 BOLINGBROKE LN, 29994, TRAPPE, MD 21673-1542

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$5,665.00 (+3.53%)	$965,680 (-) Land $93,300 Building $872,380	$965,680 (-) Land $93,300 Building $872,380
2025	$5,472.00 (+30.78%)	$965,680 (+59.55%) Land $93,300 Building $872,380	$965,680 (+59.55%) Land $93,300 Building $872,380
2023	$4,184.00	$605,265 Land $53,980 Building $551,285
2021			$605,265 Land $53,980 Building $551,285

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	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

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

Wildfire Risk	Moderate above 50% of the US · above 71% 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.

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 44 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	1,000 / 1,000
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

May also be available: Verizon.

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