1020 Sandy Plains Rd, Tryon, NC 28782 Property Records

Polk County property record for 1020 Sandy Plains Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,756 sqft · built 1995
Lot Size	2.1 acres (91,476 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (Feb 2018)
Tax Bill	$2,431 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P107-100`

Property Details

APN / Parcel Number

Primary APN	`P107-100`
Alternative APN	`27537`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,756 sqft Finished Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	91,476 sqft (2.1 acres)
Garage Type	Carport
Garage Area	696 sqft
Carport	Carport
Carport Area	696 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	27537
Street Address	1020 SANDY PLAINS RD
City	TRYON
State	NC
Zip	28782-7707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	600, 600 600 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1058
Census Tract	920101

Owner

1020 Sandy Plains Rd is owned and occupied by two individuals who bought it in February 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1020 SANDY PLAINS RD, TRYON, NC 28782-7707
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 28, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2018 · Amount on File
Deed Sale	Feb 16, 2018 · Amount on File
Prior Sale	Mar 4, 2004 · Amount on File
Deed Book / Page	431 / 1794
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1020 SANDY PLAINS RD, TRYON, NC 28782-7707
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SANDY PLAINS RD, TRYON, NC 28782-7707

Mortgage

Document Number	00494/1937
Date	Oct 1, 2025
Book Page	494/1937

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1020 SANDY PLAINS RD, TRYON, NC 28782-7707
Transaction Type	Mortgage
Record Updated	Jan 15, 2024
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00482/1507
Date	Dec 28, 2023
Book Page	482/1507

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 16, 2018
Property Address	1020 SANDY PLAINS RD, TRYON, NC 28782-7707
Document Number	00431/1794
Book / Page	431 / 1794
Instrument Date	Feb 12, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SANDY PLAINS RD, TRYON, NC 28782-7707

Tax Assessment & Valuation

The 2026 property tax bill for 1020 Sandy Plains Rd was $2,431.

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	$2,431.00	$457,591 (-) Land $71,550 Building $386,041	$457,591 (-) Land $71,550 Building $386,041
2025	$2,431.00	$457,591 Land $71,550 Building $386,041	$457,591 Land $71,550 Building $386,041
2023	$1,539.00	$241,201 Land $41,000 Building $200,201
2021			$241,201 Land $41,000 Building $200,201

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1020 Sandy Plains Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2015.

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	2 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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

Wildfire risk around 1020 Sandy Plains Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Pangaea Internet Fiber	500 / 500
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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