63 Gail Dr, Tryon, NC 28782 Property Records

Polk County property record for 63 Gail Dr, Tryon, NC 28782

Property Summary

Property Type	Other Improved
Details	3 bd · 2.5 ba · 1,335 sqft · built 1992
Lot Size	3.87 acres (168,577 sqft)
Owner	2 Individual Names on File
Last Sale	$87,500 (Sep 2020)
Tax Bill	$2,322 (2026)
Deeds & Mortgages	Jun 2021 Construction Loan Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P84-1`

Property Details

APN / Parcel Number

Primary APN	`P84-1`
Alternative APN	`56405`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,335 sqft Finished Area
Basement Area	627 sqft
Finished Basement	323 sqft
Unfinished Basement	304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	168,577 sqft (3.87 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56405
Street Address	63 GAIL DR
City	TRYON
State	NC
Zip	28782-9673
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	MX
Legal Description	100D, 0F05 FOXWOOD HILLS 09
Legal Subdivision	FOXWOOD HILLS
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2018
Census Tract	920103

Owner

63 Gail Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	63 GAIL DR, TRYON, NC 28782-9673
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Construction Mortgage GEORGIA BANKING CO
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO
Sep 16, 2020	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Oct 1, 2018	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on File
Deed Sale	Sep 16, 2020 · Amount on File
Prior Sale	Oct 1, 2018 · Amount on File
Deed Book / Page	451 / 2368
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	63 GAIL DR, TRYON, NC 28782-9673
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CLEARVIEW DR, LYMAN, SC 29365-9659

Mortgage

Document Number	00460/1912
Date	Jun 24, 2021
Book Page	460/1912

Lender

Name	GEORGIA BANKING CO
Type	Bank
Address	ATLANTA, GA 30339

Agreement

Type	Construction Mortgage
Amount	Amount on Record

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	63 GAIL DR, TRYON, NC 28782-9673
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00468/1492
Date	Mar 28, 2022
Book Page	468/1492

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 16, 2020
Property Address	63 GAIL DR, TRYON, NC 28782-9673
Document Number	00451/2368
Book / Page	451 / 2368
Map Reference	FILE B PG 692
Instrument Date	Sep 14, 2020
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	165 FINLEY BROOK WAY, 165, HENDERSONVILLE, NC 28739-9314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CLEARVIEW DR, LYMAN, SC 29365-9659

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 1, 2018
Property Address	63 GAIL DR, TRYON, NC 28782-9673
Document Number	000436/952
Book / Page	436 / 952
Instrument Date	Sep 27, 2018
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 GAIL DR, TRYON, NC 28782-9673

Mortgage

Document Number	0000000436/0000000955
Date	Oct 1, 2018
Book Page	0000000436/0000000955

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 63 Gail Dr was $2,322.

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	$2,322.00	$444,328 (-) Land $79,440 Building $364,888	$444,328 (-) Land $79,440 Building $364,888
2025	$2,322.00	$444,328 Land $79,440 Building $364,888	$444,328 Land $79,440 Building $364,888
2023	$2,097.00	$329,429 Land $53,700 Building $275,729
2021			$329,429 Land $53,700 Building $275,729

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 63 Gail Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 63 Gail Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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 29 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: Spectrum, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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