865 Vineyard Rd, Tryon, NC 28782 Property Records

Polk County property record for 865 Vineyard Rd, Tryon, NC 28782 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,088 sqft · built 1980
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,487 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P35-328`

Property Details

APN / Parcel Number

Primary APN	`P35-328`
Alternative APN	`55150`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,088 sqft Finished Area
Basement Area	1,220 sqft
Finished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Location & Zoning

Account Number	55150
Street Address	865 VINEYARD RD
City	TRYON
State	NC
Zip	28782-2597
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.05 ACRES, P35C P35C
Legal Subdivision	RANDALL L & KATHY F PITTS
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1012
Census Tract	920303

Owner

Source: Polk County records · APN P35-328

Assessment roll updated September 30, 2025 · Last verified August 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 File
Mailing Address	865 VINEYARD RD, TRYON, NC 28782-2597
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jan 04, 2023	Intrafamily Transfer, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP
Jun 30, 2017	Deed of Trust, Mortgage · ARM LOCAL GOVERNMENT FCU
Jun 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2023
Deed Sale	Jan 04, 2023
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Book / Page	475 / 721
Prior Transfer Date	Dec 26, 2022
Prior Transfer Doc	000475/721
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Jan 04, 2023
Property Address	865 VINEYARD RD, TRYON, NC 28782-2597
Document Number	000475/721
Book / Page	475 / 721
Map Reference	MB D PG 559
Instrument Date	Dec 26, 2022
Transaction Type	Transfer
Record Updated	Feb 01, 2023
Title Company	2020 TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	865 VINEYARD RD, TRYON, NC 28782-2597

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	865 VINEYARD RD, TRYON, NC 28782-2597

Mortgage

Document Number	0000475724
Date	Jan 04, 2023
Instrument	475/724

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 01, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	865 VINEYARD RD, TRYON, NC 28782-2597
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000427/993
Date	Jun 30, 2017
Book Page	427/993
Instrument	004652140016

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 30, 2017
Property Address	865 VINEYARD RD, TRYON, NC 28782-2597
Document Number	00427/0990
Book / Page	427 / 0990
Instrument Date	Jun 23, 2017
Instrument	004652130003
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Tax	$1,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 VINEYARD RD, TRYON, NC 28782-2597

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

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	$1,487.00 (+10.56%)	$262,497 (+34.86%) Land $45,250 Building $217,247	$262,497 (+34.86%) Land $45,250 Building $217,247
2023	$1,345.00	$194,650 Land $36,200 Building $158,450
2021			$194,650 Land $36,200 Building $158,450

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499203031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 14 individual NFIP policies nearby
Nearby Flood Policies	14 in force
Nearby Flood Claims	19 (1978–2024)
Claims Outside the SFHA	12 of 19
Most Recent Claim	Sep 2024, rainfall accumulation, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 8 claims

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 1,031 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 64 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Skyrunner	Fixed Wireless (unlicensed)	500 / 250

May also be available at this address: Verizon, Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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