101 White Oak Ln, Tryon, NC 28782 Property Records

Polk County property record for 101 White Oak Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,128 sqft · built 1989
Lot Size	6.3 acres (274,559 sqft)
Owner	2 Individual Names on Record
Last Sale	$554,000 (Feb 2024)
Tax Bill	$3,325 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P84-42`

Property Details

APN / Parcel Number

Primary APN	`P84-42`
Alternative APN	`17064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,128 sqft Finished Area
Basement Area	924 sqft
Unfinished Basement	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	274,559 sqft (6.3 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	17064
Street Address	101 WHITE OAK LN
City	TRYON
State	NC
Zip	28782-8877
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT #37, 0F05 FOXWOOD HILLS 09
Legal Subdivision	FOXWOOD HILLS
Legal Lot Number	37
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2018
Census Tract	920103

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	101 WHITE OAK LN, TRYON, NC 28782-8877
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Feb 21, 2024	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK
May 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENTEGRA BANK
Dec 11, 2017	Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2024 · Amount on Record
Deed Sale	Feb 21, 2024 · Amount on Record
Prior Sale	Mar 19, 1999
Deed Book / Page	483 / 1615
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Jun 24, 2026
Property Address	101 WHITE OAK LN, TRYON, NC 28782-8877
Document Number	0500001728
Book / Page	500 / 1728
Instrument Date	Jun 18, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WHITE OAK LN, TRYON, NC 28782-8877

Mortgage

Document Number	0500001728,
Date	Jun 24, 2026
Book Page	500/1728

Lender

Name	HOMETRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 25, 2051

Interest

Rate	6.75%
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 21, 2024
Property Address	101 WHITE OAK LN, TRYON, NC 28782-8877
Document Number	00483/1615
Book / Page	483 / 1615
Map Reference	MB 9 PG 74
Instrument Date	Feb 20, 2024
Transaction Type	Transfer
Record Updated	Mar 8, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 TOWNE PLACE DR # DR100, DR100, HENDERSONVILLE, NC 28792-5889

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WHITE OAK LN, TRYON, NC 28782-8877

Mortgage

Document Number	0004831619
Date	Feb 21, 2024
Instrument	483/1619

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	101 WHITE OAK LN, TRYON, NC 28782-8877
Transaction Type	Mortgage
Record Updated	Jun 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440/957
Date	May 13, 2019
Book Page	440/957

Lender

Name	ENTEGRA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2029

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	101 WHITE OAK LN, TRYON, NC 28782-8877
Transaction Type	Mortgage
Record Updated	Dec 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0004301004
Date	Dec 11, 2017
Book Page	430/1004

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 8, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,325.00 (+3.2%)	$636,261 (+3.2%) Land $153,636 Building $482,625	$636,261 (+3.2%) Land $153,636 Building $482,625
2025	$3,222.00 (+53.21%)	$616,534 (+86.63%) Land $153,636 Building $462,898	$616,534 (+86.63%) Land $153,636 Building $462,898
2023	$2,103.00	$330,358 Land $78,030 Building $252,328
2021			$330,358 Land $78,030 Building $252,328

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 48% of the US · above 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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