128 Fox Covert Ln, Tryon, NC 28782 Property Records

Polk County property record for 128 Fox Covert Ln, Tryon, NC 28782 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,336 sqft · built 1979
Lot Size	2.72 acres (118,483 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Nov 2020)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	May 2026 Sale Sep 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`P62-32`

Property Details

APN / Parcel Number

Primary APN	`P62-32`
Alternative APN	`53536`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,336 sqft Finished Area
Basement Area	865 sqft
Finished Basement	865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	118,483 sqft (2.72 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	53536
Street Address	128 FOX COVERT LN
City	TRYON
State	NC
Zip	28782-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #2., 0F08 FOXRIDGE HILLS DEV.
Legal Subdivision	FOXRIDGE HILLS
Legal Lot Number	2
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	4
Census Block	4000
Census Tract	920304

Owner

Source: Polk County records · APN P62-32

Assessment roll updated September 30, 2025 · Last verified July 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	128 FOX COVERT LN, TRYON, NC 28782-9753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 09, 2019	Deed of Trust, Mortgage · Balloon Mortgage HOME TRUST & SAVINGS BANK
Mar 17, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Dec 09, 2025	Intrafamily Transfer, Transfer
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Nov 09, 2020	Warranty Deed, Transfer · Line of Credit SOUTHERN FIRST BANK NA
Sep 09, 2019	Deed of Trust, Mortgage · Balloon Mortgage HOME TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 09, 2020 · Amount on Record
Deed Sale	Nov 09, 2020 · Amount on Record
Prior Sale	Mar 31, 2008 · Amount on Record
Deed Book / Page	453 / 2021
Last Transfer Date	Mar 16, 2026
Transfer Doc	0498000659
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	POLK NC
Recording Date	May 14, 2026
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Document Number	0499001826
Book / Page	499 / 1826
Instrument Date	May 07, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	128 FOX COVERT LN, TRYON, NC 28782-9753

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00442/2327
Date	Sep 09, 2019
Book Page	442/2327

Lender

Name	HOME TRUST & SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Mar 17, 2026
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Document Number	000498/659
Book / Page	498 / 659
Map Reference	MB 231 PG 44
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	Apr 02, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12284 S 400 W, HAUBSTADT, IN 47639-8682

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	128 FOX COVERT LN, TRYON, NC 28782-9753

Mortgage

Document Number	0004981062
Date	Mar 17, 2026
Instrument	498/1062

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Dec 09, 2025
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Document Number	000496/717
Book / Page	496 / 717
Map Reference	MB 477 PG 515-517
Instrument Date	Sep 15, 2025
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	APARTMENT 176 THE SYLVAN AT ALTO VERDE, BLACKROCK XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	128 FOX COVERT LN, TRYON, NC 28782-9753

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 31, 2023
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Document Number	000477/515
Book / Page	477 / 515
Map Reference	SL A-211 PG 58
Instrument Date	Mar 29, 2023
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 PHILLIPS LN, GREER, SC 29650-3929

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	746 NE 83RD ST, MIAMI, FL 33138-4120

Mortgage

Document Number	0000477522
Date	Mar 31, 2023
Instrument	477/522

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 09, 2020
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Document Number	00453/2021
Book / Page	453 / 2021
Map Reference	SL A-211 PG 58
Instrument Date	Nov 06, 2020
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 DOWNING WAY, 602, LANDRUM, SC 29356-8838

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	128 FOX COVERT LN, TRYON, NC 28782-9753

Mortgage

Document Number	0004532024
Date	Nov 09, 2020
Instrument	453/2024

Lender

Name	SOUTHERN FIRST BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 09, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	128 FOX COVERT LN, TRYON, NC 28782-9753
Transaction Type	Mortgage
Record Updated	Oct 02, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	442/2327
Date	Sep 09, 2019
Book Page	442/2327

Lender

Name	HOME TRUST & SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified July 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	$3,121.00 (+13.78%)	$587,238 (+39.73%) Land $187,360 Building $399,878	$587,238 (+39.73%) Land $187,360 Building $399,878
2023	$2,743.00	$420,266 Land $75,800 Building $344,466
2021			$420,266 Land $75,800 Building $344,466

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 371499203044, 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
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 1,000 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 16 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000
Skyrunner	Fixed Wireless (unlicensed)	500 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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