Polk County property record for 891 Howard Gap Rd, Tryon, NC 28782 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,960 sqft · built 1950 |
| Lot Size | 4.32 acres (188,615 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,815 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | P47-204 |
| Primary APN | P47-204 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,960 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 188,615 sqft (4.32 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 29096 |
|---|---|
| Street Address | 891 HOWARD GAP RD |
| City | TRYON |
| State | NC |
| Zip | 28782-8671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P47, P47 MAP P47 |
| Legal Subdivision | MAP P47 |
| Jurisdiction | POLK NC |
| Township / Civil Division | TRYON |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 920301 |
Source: Polk County records · APN P47-204
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 891 HOWARD GAP RD, TRYON, NC 28782-8671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| May 07, 2018 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 10, 2001 |
| Deed Sale | Aug 10, 2001 |
| Deed Document Number | 0002741924 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 891 HOWARD GAP RD, TRYON, NC 28782-8671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 427/2035 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 427/2035 |
| Instrument | 004654700010 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 891 HOWARD GAP RD, TRYON, NC 28782-8671 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000000433/0000000575 |
|---|---|
| Date | May 07, 2018 |
| Book Page | 0000000433/0000000575 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| 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 | $1,815.00 (+8.62%) | $320,337 (+32.47%) Land $78,300 Building $242,037 | $320,337 (+32.47%) Land $78,300 Building $242,037 |
| 2023 | $1,671.00 | $241,812 Land $61,635 Building $180,177 | |
| 2021 | $241,812 Land $61,635 Building $180,177 |
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 |
| Wildfire Risk | Moderate above 47% of the US · above 68% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 877 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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