42 Forest Ridge Ln, Tryon, NC 28782 Property Records

Polk County property record for 42 Forest Ridge Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,663 sqft · built 2007
Lot Size	2.66 acres (115,870 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Dec 2024)
Tax Bill	$3,957 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P116-105`

Property Details

APN / Parcel Number

Primary APN	`P116-105`
Alternative APN	`57332`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,663 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	115,870 sqft (2.66 acres)
Garage Area	701 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57332
Street Address	42 FOREST RIDGE LN
City	TRYON
State	NC
Zip	28782-0046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20, 0V02 VISTA AT THE RIVER BANK
Legal Subdivision	VISTA AT THE RIVER BANK
Legal Lot Number	20
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1039
Census Tract	920101

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 30, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIME LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2024 · Amount on Record
Deed Sale	Dec 6, 2024 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Book / Page	489 / 153
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046

Mortgage

Document Number	00495/2113
Date	Nov 21, 2025
Book Page	495/2113

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00449/2240
Date	Jul 1, 2020
Book Page	449/2240

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	462/1709
Date	Aug 30, 2021
Book Page	462/1709

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 30, 2019
Property Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046
Document Number	00442/2015
Book / Page	442 / 2015
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 FOREST RIDGE LN, TRYON, NC 28782-0046

Mortgage

Document Number	00442/2018
Date	Aug 30, 2019
Book Page	442/2018

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$3,957.00	$744,659 (-) Land $46,620 Building $698,039	$744,659 (-) Land $46,620 Building $698,039
2025	$3,957.00 (+64.53%)	$744,659 (+97.61%) Land $46,620 Building $698,039	$744,659 (+97.61%) Land $46,620 Building $698,039
2023	$2,405.00	$376,841 Land $36,620 Building $340,221
2021			$376,841 Land $36,620 Building $340,221

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	200 / 20

May also be available: Pangaea Internet.

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