164 Oak Grove Dr, Tryon, NC 28782 Property Records

Polk County property record for 164 Oak Grove Dr, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,265 sqft · built 2019
Lot Size	3.11 acres (135,472 sqft)
Owner	2 Individual Names on File
Last Sale	$84,000 (Aug 2018)
Tax Bill	$3,971 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`P74-237`

Property Details

APN / Parcel Number

Primary APN	`P74-237`
Alternative APN	`56287`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,265 sqft Finished Area
Basement Area	1,265 sqft
Unfinished Basement	1,265 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	135,472 sqft (3.11 acres)
Garage Area	550 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	56287
Street Address	164 OAK GROVE DR
City	TRYON
State	NC
Zip	28782-6676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT #23, SECTION III, PHASE I, 0S08A STONEY BROOK 09
Legal Subdivision	STONEY BROOK
Legal Phase	1
Legal Lot Number	23
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1015
Census Tract	920104

Owner

164 Oak Grove Dr is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	164 OAK GROVE DR, TRYON, NC 28782-6676
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Sep 14, 2021	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Aug 17, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Jun 13, 2016 · Amount on File
Deed Book / Page	435 / 811
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	164 OAK GROVE DR, TRYON, NC 28782-6676
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 OAK GROVE DR, TRYON, NC 28782-6676

Mortgage

Document Number	000463/183
Date	Sep 14, 2021
Book Page	463/183

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 17, 2018
Property Address	164 OAK GROVE DR, TRYON, NC 28782-6676
Document Number	000435/811
Book / Page	435 / 811
Instrument Date	Aug 17, 2018
Transaction Type	Transfer
Record Updated	May 23, 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	620 N 300 W, GREENFIELD, IN 46140-8424

Tax Assessment & Valuation

The 2026 property tax bill for 164 Oak Grove Dr was $3,971.

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	$3,971.00	$759,854 (-) Land $88,600 Building $671,254	$759,854 (-) Land $88,600 Building $671,254
2025	$3,971.00	$759,854 Land $88,600 Building $671,254	$759,854 Land $88,600 Building $671,254
2023	$3,300.00	$518,309 Land $60,825 Building $457,484
2021			$518,309 Land $60,825 Building $457,484

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

Flood

FEMA maps place 164 Oak Grove Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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	4 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2020 · river or lake flooding

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 164 Oak Grove Dr 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Oak Grove Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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