280 Woody Cir, Tryon, NC 28782 Property Records

Polk County property record for 280 Woody Cir, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,578 sqft · built 1995
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,628 (2026)
Deeds & Mortgages	May 2022 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P85-144`

Property Details

APN / Parcel Number

Primary APN	`P85-144`
Alternative APN	`42351`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,578 sqft Finished Area
Basement Area	1,578 sqft
Unfinished Basement	1,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	43,124 sqft (0.99 acres)
Garage Area	440 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	42351
Street Address	280 WOODY CIR
City	TRYON
State	NC
Zip	28782-6825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 7 0.99 ACRE, 0W10 WOODY ESTATES
Legal Subdivision	WOODY ESTATES
Legal Lot Number	7
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2016
Census Tract	920103

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	280 WOODY CIR, TRYON, NC 28782-6825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 28, 2025	Intrafamily Transfer, Transfer · FHA Mortgage VERITAS FUNDING LLC
Oct 23, 2023	Intrafamily Transfer, Transfer · FHA Mortgage VERITAS FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025
Deed Sale	Oct 28, 2025
Prior Sale	Oct 23, 2023
Deed Book / Page	495 / 815
Prior Transfer Date	Oct 23, 2025
Prior Transfer Doc	000495/815
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	280 WOODY CIR, TRYON, NC 28782-6825
Transaction Type	Mortgage
Record Updated	Nov 14, 2025
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000470/134
Date	May 16, 2022
Book Page	470/134

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Oct 28, 2025
Property Address	280 WOODY CIR, TRYON, NC 28782-6825
Document Number	000495/815
Book / Page	495 / 815
Map Reference	MB 211 PG 2105
Instrument Date	Oct 23, 2025
Transaction Type	Transfer
Record Updated	Nov 14, 2025
Title Company	EQUITY LOAN SERVICES INC, EQUITY STLMT SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	280 WOODY CIR, TRYON, NC 28782-6825

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	280 WOODY CIR, TRYON, NC 28782-6825

Mortgage

Document Number	0000495818
Date	Oct 28, 2025
Instrument	495/818

Lender

Name	VERITAS FUNDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Oct 23, 2023
Property Address	280 WOODY CIR, TRYON, NC 28782-6825
Document Number	00481/1063
Book / Page	481 / 1063
Map Reference	FILE C PG 554
Instrument Date	Oct 18, 2023
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	280 WOODY CIR, TRYON, NC 28782-6825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 WOODY CIR, TRYON, NC 28782-6825

Mortgage

Document Number	0004811067
Date	Oct 23, 2023
Instrument	481/1067

Lender

Name	VERITAS FUNDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

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	$1,628.00	$311,493 (-) Land $37,620 Building $273,873	$311,493 (-) Land $37,620 Building $273,873
2025	$1,628.00 (+14.01%)	$311,493 (+38.85%) Land $37,620 Building $273,873	$311,493 (+38.85%) Land $37,620 Building $273,873
2023	$1,428.00 (+4.54%)	$224,340 (-) Land $29,700 Building $194,640
2022	$1,366.00	$224,340 Land $29,700 Building $194,640
2021			$224,340 Land $29,700 Building $194,640

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 50% of the US · above 71% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	300 / 20

Cell Coverage

4G LTE only, no 5G reported

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