400 Woody Cir, Tryon, NC 28782 Property Records

Polk County property record for 400 Woody Cir, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1996
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2004)
Tax Bill	$1,289 (2026)
Deeds & Mortgages	Feb 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P85-38`

Property Details

APN / Parcel Number

Primary APN	`P85-38`
Alternative APN	`32513`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,593 sqft Finished Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Shingle
Lot Area	40,946 sqft (0.94 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	32513
Street Address	400 WOODY CIR
City	TRYON
State	NC
Zip	28782-6827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 2, 0W10 WOODY ESTATES
Legal Subdivision	WOODY ESTATES
Legal Lot Number	2
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	Individual Name on Record
Mailing Address	400 WOODY CIR, TRYON, NC 28782-6827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2004 · Amount on Record
Deed Sale	Nov 8, 2004 · Amount on Record
Prior Sale	Oct 28, 2002
Deed Book / Page	320 / 1252
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	400 WOODY CIR, TRYON, NC 28782-6827
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 WOODY CIR, TRYON, NC 28782-6827

Mortgage

Document Number	000456/993
Date	Feb 9, 2021
Book Page	456/993

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	952 Months
Due	Jun 27, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.97%
Change Frequency	Annually
Index	1-Year CMT

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	$1,289.00	$246,627 (-) Land $35,720 Building $210,907	$246,627 (-) Land $35,720 Building $210,907
2025	$1,289.00 (+7.96%)	$246,627 (+31.43%) Land $35,720 Building $210,907	$246,627 (+31.43%) Land $35,720 Building $210,907
2023	$1,194.00	$187,654 Land $28,200 Building $159,454
2021			$187,654 Land $28,200 Building $159,454

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Skyrunner Fixed Wireless	25 / 10

May also be available: AT&T, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Woody Cir

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