3470 Peniel Rd, Tryon, NC 28782 Property Records

Polk County property record for 3470 Peniel Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,893 sqft · built 1952
Lot Size	1.22 acres (53,143 sqft)
Owner	Company Name on Record
Tax Bill	$1,590 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P86-203`

Property Details

APN / Parcel Number

Primary APN	`P86-203`
Alternative APN	`57044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,893 sqft Finished Area
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	57044
Street Address	3470 PENIEL RD
City	TRYON
State	NC
Zip	28782-8810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	SPLIT FROM P86-194, 100C 100C COUNTY RURAL
Legal Subdivision	C COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2023
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	Company Name on Record
Mailing Address	3470 PENIEL RD, TRYON, NC 28782-8810
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 15, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
May 29, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 24, 2019
Transfer Doc	00440/2113
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3470 PENIEL RD, TRYON, NC 28782-8810
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000467/574
Date	Feb 1, 2022
Book Page	467/574

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3470 PENIEL RD, TRYON, NC 28782-8810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	452/2215
Date	Oct 15, 2020
Book Page	452/2215

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	COLUMBUS, NC 28722

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3470 PENIEL RD, TRYON, NC 28782-8810
Transaction Type	Mortgage
Record Updated	Jun 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	449/952
Date	Jun 10, 2020
Book Page	449/952

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	2%
Index	5-Year CMT
Max Rate	6%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 29, 2019
Property Address	3470 PENIEL RD, TRYON, NC 28782-8810
Document Number	00440/2113
Book / Page	440 / 2113
Instrument Date	May 24, 2019
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	3470 PENIEL RD, COLUMBUS, NC 28722

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	$1,590.00	$304,287 (-) Land $42,860 Building $261,427	$304,287 (-) Land $42,860 Building $261,427
2025	$1,590.00 (+60.44%)	$304,287 (+95.38%) Land $42,860 Building $261,427	$304,287 (+95.38%) Land $42,860 Building $261,427
2023	$991.00	$155,738 Land $26,760 Building $128,978
2021			$155,738 Land $26,760 Building $128,978

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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fiber	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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