4080 Peniel Rd, Tryon, NC 28782 Property Records

Polk County property record for 4080 Peniel Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,248 sqft · built 1970
Lot Size	4.72 acres (205,603 sqft)
Owner	2 Individual Names on Record
Last Sale	$378,000 (Jun 2020)
Tax Bill	$2,438 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P86-21`

Property Details

APN / Parcel Number

Primary APN	`P86-21`
Alternative APN	`937`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,248 sqft Finished Area
Basement Area	2,248 sqft
Unfinished Basement	2,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick Veneer
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	205,603 sqft (4.72 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	937
Street Address	4080 PENIEL RD
City	TRYON
State	NC
Zip	28782-8813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	100C, 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	2 Individual Names on Record
Mailing Address	4080 PENIEL RD, TRYON, NC 28782-8813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit UNITED FEDERAL CREDIT UNION
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 26, 2020	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	Apr 22, 1999
Deed Book / Page	449 / 1860
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Jun 10, 2026
Property Address	4080 PENIEL RD, TRYON, NC 28782-8813
Document Number	0500000895
Book / Page	500 / 895
Instrument Date	Jun 3, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4080 PENIEL RD, TRYON, NC 28782-8813
Investor	Possibly a Property Investor

Mortgage

Document Number	0500000895,
Date	Jun 10, 2026
Book Page	500/895

Lender

Name	UNITED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 23, 2041

Interest

Rate	5.72%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	4080 PENIEL RD, TRYON, NC 28782-8813
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00464/1513
Date	Oct 29, 2021
Book Page	464/1513

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

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

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 26, 2020
Property Address	4080 PENIEL RD, TRYON, NC 28782-8813
Document Number	00449/1860
Book / Page	449 / 1860
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$756.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 KELLY DR, 150, CAMPOBELLO, SC 29322-9003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4080 PENIEL RD, TRYON, NC 28782-8813
Investor	Possibly a Property Investor

Mortgage

Document Number	0004491867
Date	Jun 26, 2020
Instrument	449/1867

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA 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	$2,438.00	$466,499 (-) Land $88,360 Building $378,139	$466,499 (-) Land $88,360 Building $378,139
2025	$2,438.00 (+15.33%)	$466,499 (+40.52%) Land $88,360 Building $378,139	$466,499 (+40.52%) Land $88,360 Building $378,139
2023	$2,114.00	$331,977 Land $54,760 Building $277,217
2021			$331,977 Land $54,760 Building $277,217

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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