146 Troy Ln, Tryon, NC 28782 Property Records

Polk County property record for 146 Troy Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,366 sqft · built 2003
Lot Size	5.98 acres (260,489 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,969 (2026)
Deeds & Mortgages	Dec 2025 Second Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P116-156`

Property Details

APN / Parcel Number

Primary APN	`P116-156`
Alternative APN	`37246`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,366 sqft Finished Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	260,489 sqft (5.98 acres)
Lot Dimensions	28 ft deep x 24 ft wide
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	37246
Street Address	146 TROY LN
City	TRYON
State	NC
Zip	28782-8909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 2, 0000 24 X 28, 600 600 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Legal Lot Number	2
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1039
Census Tract	920101

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	146 TROY LN, TRYON, NC 28782-8909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED FCU
Feb 17, 2022	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2002
Deed Sale	Aug 28, 2002
Deed Book / Page	287 / 1465
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	146 TROY LN, TRYON, NC 28782-8909
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00496/1812
Date	Dec 30, 2025
Book Page	496/1812

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 3, 2041

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	146 TROY LN, TRYON, NC 28782-8909
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00467/1552
Date	Feb 17, 2022
Book Page	467/1552

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$1,969.00	$370,630 (-) Land $112,190 Building $258,440	$370,630 (-) Land $112,190 Building $258,440
2025	$1,969.00 (+12.71%)	$370,630 (+35.39%) Land $112,190 Building $258,440	$370,630 (+35.39%) Land $112,190 Building $258,440
2023	$1,747.00	$273,755 Land $79,800 Building $193,955
2021			$273,755 Land $79,800 Building $193,955

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 · 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

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

Wildfire Risk	Moderate above 51% of the US · above 73% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Windstream DSL	25 / 3

May also be available: Pangaea Internet, Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Troy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures