Polk County property record for 740 E Howard St, Tryon, NC 28782 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1980 |
| Square Footage | 960 sqft Finished Area |
| Lot Size | 18,295 sqft (0.419 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $45,000 (2017) |
| Tax Bill | $790.00 (2025) |
Source: Polk County records · APN T5-H11
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 740 E HOWARD ST, TRYON, NC 28782-3116 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 02, 2019 | Deed of Trust, Mortgage · Balloon Payment STATE EMPLOYEES CREDIT UNION |
| Sep 08, 2017 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 08, 2017 · Amount on Record |
| Deed Sale | Sep 08, 2017 · Amount on Record |
| Deed Doc Number | 0004281925 |
| Deed Book / Page | 428 / 1925 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 740 E HOWARD ST, TRYON, NC 28782-3116 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00441/1443 |
|---|---|
| Date | Jul 02, 2019 |
| Book Page | 441/1443 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 08, 2017 |
| Property Address | 740 E HOWARD ST, TRYON, NC 28782-3116 |
| Document Number | 00428/1925 |
| Book / Page | 428 / 1925 |
| Instrument Date | Sep 08, 2017 |
| Instrument | 004661330004 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 740 E HOWARD ST, TRYON, NC 28782-3116 |
| Document Number | 00428/1929 |
|---|---|
| Date | Sep 08, 2017 |
| Book Page | 428/1929 |
| Instrument | 004661340016 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Municipality | Tryon Town |
| Unified School District | Polk County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $790.00 (+12.38%) | $170,781 (+39.07%) Land $16,800 Building $153,981 | $170,781 (+39.07%) Land $16,800 Building $153,981 |
| 2023 | $703.00 | $122,801 Land $16,800 Building $106,001 | |
| 2021 | $122,801 Land $16,800 Building $106,001 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 49% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 935 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | T5-H11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 3 Rooms |
| Building Area | 960 sqft Finished Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl Exterior |
| Foundation Type | Retaining Wall Foundation |
| Roof Material | Shingle Roof |
| Lot Area | 18,295 sqft (0.419 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 55324 |
|---|---|
| Street Address | 740 E HOWARD ST |
| City | TRYON |
| State | NC |
| Zip | 28782-3116 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT #32, 0T52 TRYON AREA 52 |
| Legal Subdivision | TRYON AREA 52 |
| Legal Lot Number | 32 |
| Jurisdiction | POLK NC |
| Minor Civil Division | TRYON |
| Census Blockgroup | 4 |
| Census Block | 4010 |
| Census Tract | 920304 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures