395 Laurel Way, Tryon, NC 28782 Property Records

Polk County property record for 395 Laurel Way, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,344 sqft · built 1965
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,000 (Dec 2022)
Tax Bill	$2,369 (2026)
Deeds & Mortgages	Dec 2022 Sale Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P36-30`

Property Details

APN / Parcel Number

Primary APN	`P36-30`
Alternative APN	`39404`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,344 sqft Finished Area
Basement Area	1,344 sqft
Finished Basement	336 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	44,431 sqft (1.02 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	39404
Street Address	395 LAUREL WAY
City	TRYON
State	NC
Zip	28782-3532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOT A, 0G07H G-WOODS THOUSAND PINES
Legal Subdivision	G-WOODS THOUSAND PINES
Legal Tract	A
Legal Lot Number	A
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1017
Census Tract	920304

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	PO BOX 1496, TRYON, NC 28782-1496
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Warranty Deed, Transfer
Jul 6, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Prior Sale	Jul 6, 2021 · Amount on Record
Deed Book / Page	474 / 2412
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 19, 2022
Property Address	395 LAUREL WAY, TRYON, NC 28782-3532
Document Number	00474/2412
Book / Page	474 / 2412
Map Reference	FILE E PG 1406
Instrument Date	Dec 19, 2022
Transaction Type	Transfer
Record Updated	Feb 20, 2023

Transaction

Amount	Amount Recorded
Tax	$732.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1239 W MCGUINN RD, MILL SPRING, NC 28756-3629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1537, SUMMERVILLE, SC 29484-1537

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 6, 2021
Property Address	395 LAUREL WAY, TRYON, NC 28782-3532
Document Number	461/132
Book / Page	461 / 132
Map Reference	FILE E PG 1406
Instrument Date	Jun 16, 2021
Transaction Type	Transfer
Record Updated	Jul 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	395 LAUREL WAY, 395, TRYON, NC 28782-3532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 LAUREL WAY, TRYON, NC 28782-3532

Mortgage

Document Number	461135
Date	Jul 6, 2021
Instrument	461/135

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

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	$2,369.00 (+3.54%)	$403,876 (-) Land $66,300 Building $337,576	$403,876 (-) Land $66,300 Building $337,576
2025	$2,288.00 (+69.99%)	$403,876 (+107.31%) Land $66,300 Building $337,576	$403,876 (+107.31%) Land $66,300 Building $337,576
2023	$1,346.00	$194,813 Land $36,720 Building $158,093
2021			$194,813 Land $36,720 Building $158,093

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	5 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2018 · other causes

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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF TRYON serves 5,494 people · EPA ID NC0175010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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