420 Thermal View Dr, Tryon, NC 28782 Property Records

Polk County property record for 420 Thermal View Dr, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1985
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$316,000 (Sep 2023)
Tax Bill	$1,942 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P47-340`

Property Details

APN / Parcel Number

Primary APN	`P47-340`
Alternative APN	`37518`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,248 sqft Finished Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	37518
Street Address	420 THERMAL VIEW DR
City	TRYON
State	NC
Zip	28782-7685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	P47, P47 MAP P47
Legal Subdivision	MAP P47
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1024
Census Tract	920301

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	2 Individual Names on File
Mailing Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Nov 17, 2020 · Amount on File
Deed Book / Page	480 / 1799
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 19, 2023
Property Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685
Document Number	00480/1799
Book / Page	480 / 1799
Map Reference	PG 772
Instrument Date	Sep 13, 2023
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685

Mortgage

Document Number	00480/1802
Date	Sep 19, 2023
Book Page	480/1802

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.4%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	5.4%
Max Rate At Change	9.4%
Index	5-Year TN
Max Rate	13.4%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685

Mortgage

Document Number	000466/850
Date	Dec 27, 2021
Book Page	466/850

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 17, 2020
Property Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685
Document Number	000454/222
Book / Page	454 / 222
Map Reference	FILE D PG 772
Instrument Date	Nov 11, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1137 SKYUKA MOUNTAIN ROAD, 1137, TRYON, NC 28782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 THERMAL VIEW DR, TRYON, NC 28782-7685

Mortgage

Document Number	0000454225
Date	Nov 17, 2020
Instrument	454/225

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 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	$1,942.00 (+3.52%)	$331,037 (-) Land $47,500 Building $283,537	$331,037 (-) Land $47,500 Building $283,537
2025	$1,876.00 (+104.8%)	$331,037 (+149.85%) Land $47,500 Building $283,537	$331,037 (+149.85%) Land $47,500 Building $283,537
2023	$916.00 (+4.57%)	$132,493 (-) Land $32,375 Building $100,118
2022	$876.00	$132,493 Land $32,375 Building $100,118
2021			$132,493 Land $32,375 Building $100,118

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	3 in force
Nearby Flood Claims	5 (2020–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 47% of the US · above 68% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

May also be available: Verizon.

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