4318 Peniel Rd, Tryon, NC 28782 Property Records

Polk County property record for 4318 Peniel Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,963 sqft · built 1982
Lot Size	3.28 acres (142,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (Oct 2022)
Tax Bill	$1,996 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P86-71`

Property Details

APN / Parcel Number

Primary APN	`P86-71`
Alternative APN	`28784`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,963 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	142,877 sqft (3.28 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	28784
Street Address	4318 PENIEL RD
City	TRYON
State	NC
Zip	28782-8815
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	2024
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	4318 PENIEL RD, TRYON, NC 28782-8815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	May 7, 2001 · Amount on Record
Deed Book / Page	473 / 1176
Prior Transfer Date	Dec 30, 2008
Prior Transfer Doc	00370/0194
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 3, 2022
Property Address	4318 PENIEL RD, TRYON, NC 28782-8815
Document Number	00473/1176
Book / Page	473 / 1176
Map Reference	FILE D PG 759
Instrument Date	Oct 3, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4436 PENIEL RD, 4436, TRYON, NC 28782-8816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4318 PENIEL RD, TRYON, NC 28782-8815

Mortgage

Document Number	00473/1181
Date	Oct 3, 2022
Book Page	473/1181

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

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	$1,996.00	$381,975 (-) Land $69,640 Building $312,335	$381,975 (-) Land $69,640 Building $312,335
2025	$1,996.00 (+42.47%)	$381,975 (+73.57%) Land $69,640 Building $312,335	$381,975 (+73.57%) Land $69,640 Building $312,335
2023	$1,401.00	$220,067 Land $43,240 Building $176,827
2021			$220,067 Land $43,240 Building $176,827

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	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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