3855 Peniel Rd, Tryon, NC 28782 Property Records

Polk County property record for 3855 Peniel Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1928
Lot Size	16.4 acres (715,691 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Sep 2025)
Tax Bill	$3,272 (2026)
Deeds & Mortgages	Sep 2025 Sale Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P86-32`

Property Details

APN / Parcel Number

Primary APN	`P86-32`
Alternative APN	`42274`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	984 sqft Finished Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	715,691 sqft (16.4 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	42274
Street Address	3855 PENIEL RD
City	TRYON
State	NC
Zip	28782-8812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	16.43 ACRES, 100C 100C COUNTY RURAL
Legal Subdivision	C COUNTY RURAL
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	3855 PENIEL RD, TRYON, NC 28782-8812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Warranty Deed, Transfer
Apr 7, 2022	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 27, 2017	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jun 19, 2020	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Book / Page	494 / 1719
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 29, 2025
Property Address	3855 PENIEL RD, TRYON, NC 28782-8812
Document Number	00494/1719
Book / Page	494 / 1719
Map Reference	MB F PG 2208
Instrument Date	Sep 24, 2025
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount Recorded
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 ROBERTS LAKE CIR APT 305, 305, ARDEN, NC 28704-0539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 PENIEL RD, TRYON, NC 28782-8812

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 7, 2022
Property Address	3855 PENIEL RD, TRYON, NC 28782-8812
Document Number	0000469/74
Book / Page	469 / 74
Map Reference	FILE E PG 2208
Instrument Date	Mar 25, 2022
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13040 SW 30TH CT, 13040, DAVIE, FL 33330-4601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 PENIEL RD, TRYON, NC 28782-8812

Mortgage

Document Number	0000046977
Date	Apr 7, 2022
Instrument	469/77

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3855 PENIEL RD, TRYON, NC 28782-8812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	425/1590
Date	Mar 27, 2017
Book Page	425/1590
Instrument	004641760005

Lender

Name	LOCAL GOVERNMENT FCU
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: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 19, 2020
Property Address	3855 PENIEL RD, TRYON, NC 28782-8812
Document Number	00449/1508
Book / Page	449 / 1508
Map Reference	FILE E PG 2208
Instrument Date	Jun 16, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$518.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13040 SW 30TH CT, DAVIE, FL 33330-4601

Mortgage

Document Number	0004491511
Date	Jun 19, 2020
Instrument	449/1511

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$3,272.00 (+22.73%)	$626,100 (+22.74%) Land $254,090 Building $372,010	$626,100 (+22.74%) Land $254,090 Building $372,010
2025	$2,666.00 (+16.67%)	$510,101 (+42.13%) Land $254,090 Building $256,011	$510,101 (+42.13%) Land $254,090 Building $256,011
2023	$2,285.00	$358,895 Land $156,940 Building $201,955
2021			$358,895 Land $156,940 Building $201,955

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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