165 E Rambling Creek, Tryon, NC 28782 Property Records

Polk County property record for 165 E Rambling Creek, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,049 sqft · built 2007
Lot Size	3.3 acres (143,748 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,000 (Jul 2014)
Tax Bill	$3,584 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`P116-97`

Property Details

APN / Parcel Number

Primary APN	`P116-97`
Alternative APN	`52364`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Building Area	2,049 sqft Finished Area
Basement Area	1,876 sqft
Finished Basement	1,488 sqft
Unfinished Basement	388 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	143,748 sqft (3.3 acres)
Garage Area	400 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	52364
Street Address	165 E RAMBLING CRK
City	TRYON
State	NC
Zip	28782-2672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 12, 0V02 VISTA AT THE RIVER BANK
Legal Subdivision	VISTA AT THE RIVER BANK
Legal Lot Number	12
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	165 E RAMBLING CRK, TRYON, NC 28782-2672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Feb 7, 2020	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2014 · Amount on Record
Deed Sale	Jul 3, 2014 · Amount on Record
Prior Sale	Nov 27, 2013 · Amount on Record
Deed Book / Page	407 / 1039
Prior Transfer Date	Nov 21, 2013
Prior Transfer Doc	00403/2337
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	165 E RAMBLING CRK, TRYON, NC 28782-2672
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00471/1512
Date	Jul 20, 2022
Book Page	471/1512

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	Other
Margin	3
Max Rate	9.62%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 7, 2020
Property Address	165 E RAMBLING CRK, TRYON, NC 28782-2672
Document Number	00446/1124
Book / Page	446 / 1124
Instrument Date	Feb 1, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 E RAMBLING CRK, TRYON, NC 28782-2672

Mortgage

Document Number	00446/1128
Date	Feb 7, 2020
Book Page	446/1128

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$3,584.00	$674,563 (-) Land $51,100 Building $623,463	$674,563 (-) Land $51,100 Building $623,463
2025	$3,584.00 (+19.75%)	$674,563 (+43.82%) Land $51,100 Building $623,463	$674,563 (+43.82%) Land $51,100 Building $623,463
2023	$2,993.00	$469,040 Land $29,340 Building $439,700
2021			$469,040 Land $29,340 Building $439,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.08% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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