27 Troy Ln, Tryon, NC 28782 Property Records

Polk County property record for 27 Troy Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,123 sqft · built 2009
Lot Size	4.99 acres (217,364 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Apr 2008)
Tax Bill	$3,289 (2025)
Deeds & Mortgages	Jul 2018 Mortgage May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P116-51`

Property Details

APN / Parcel Number

Primary APN	`P116-51`
Alternative APN	`30274`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	2,123 sqft Finished Area
Basement Area	2,038 sqft
Finished Basement	815 sqft
Unfinished Basement	1,223 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	217,364 sqft (4.99 acres)
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	30274
Street Address	27 TROY LN
City	TRYON
State	NC
Zip	28782-8910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 1, 600 600 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Legal Lot Number	1
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 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	27 TROY LN, TRYON, NC 28782-8910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2018	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING
May 13, 2019	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING INC
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 25, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 31, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2008 · Amount on Record
Deed Sale	Apr 28, 2008 · Amount on Record
Prior Sale	Aug 28, 2002 · Amount on Record
Deed Book / Page	364 / 1222
Last Transfer Date	Dec 30, 2024
Transfer Doc	00489/1015
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	27 TROY LN, TRYON, NC 28782-8910
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000434/0000001476
Date	Jul 11, 2018
Book Page	0000000434/0000001476

Lender

Name	STEARNS LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	27 TROY LN, TRYON, NC 28782-8910
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000440/980
Date	May 13, 2019
Book Page	440/980

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	27 TROY LN, TRYON, NC 28782-8910
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00447/1196
Date	Mar 23, 2020
Book Page	447/1196

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jul 1, 2049

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	27 TROY LN, TRYON, NC 28782-8910
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00477/1732
Date	Apr 25, 2023
Book Page	477/1732

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Jul 1, 2049

December 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Dec 31, 2024
Property Address	27 TROY LN, TRYON, NC 28782-8910
Document Number	00489/1015
Book / Page	489 / 1015
Instrument Date	Dec 30, 2024
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 TROY LN, TRYON, NC 28782-8910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 TROY LN, TRYON, NC 28782-8910
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

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
2025	$3,289.00 (+15.53%)	$618,953 (+38.75%) Land $96,845 Building $522,108	$618,953 (+38.75%) Land $96,845 Building $522,108
2023	$2,847.00	$446,107 Land $69,900 Building $376,207
2021			$446,107 Land $69,900 Building $376,207

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 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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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