250 White Oak Ln, Tryon, NC 28782 Property Records

Polk County property record for 250 White Oak Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,115 sqft · built 1992
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Trust Names on Record
Last Sale	$520,000 (Jun 2021)
Tax Bill	$3,851 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P84-10`

Property Details

APN / Parcel Number

Primary APN	`P84-10`
Alternative APN	`20990`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,115 sqft Finished Area
Basement Area	1,014 sqft
Finished Basement	52 sqft
Unfinished Basement	962 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick Veneer
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	80,150 sqft (1.84 acres)
Garage Area	962 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	20990
Street Address	250 WHITE OAK LN
City	TRYON
State	NC
Zip	28782-8866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	FR. FOXWOOD HILL, 0F05 FOXWOOD HILLS 09
Legal Subdivision	FOXWOOD HILLS
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2018
Census Tract	920103

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 Trust Names on Record
Mailing Address	250 WHITE OAK LN, TRYON, NC 28782-8866
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 20, 2020	Deed of Trust, Mortgage · ARM FIRST CITIZEN B&T CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Dec 31, 1997
Deed Book / Page	460 / 1801
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 24, 2021
Property Address	250 WHITE OAK LN, TRYON, NC 28782-8866
Document Number	460/1801
Book / Page	460 / 1801
Map Reference	FILE B PG 927
Instrument Date	Jun 24, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	294 WINDWOOD DR, 294, COLUMBUS, NC 28722-3434

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	250 WHITE OAK LN, TRYON, NC 28782-8866

Mortgage

Document Number	4601804
Date	Jun 24, 2021
Instrument	460/1804

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	250 WHITE OAK LN, TRYON, NC 28782-8866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	446/1873
Date	Feb 20, 2020
Book Page	446/1873

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	Feb 1, 2027
Index	1-Year LIBOR

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	$3,851.00	$736,924 (-) Land $55,200 Building $681,724	$736,924 (-) Land $55,200 Building $681,724
2025	$3,851.00 (+16.31%)	$736,924 (+41.73%) Land $55,200 Building $681,724	$736,924 (+41.73%) Land $55,200 Building $681,724
2023	$3,311.00	$519,964 Land $33,500 Building $486,464
2021			$519,964 Land $33,500 Building $486,464

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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