6401 Peniel Rd, Tryon, NC 28782 Property Records

Polk County property record for 6401 Peniel Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,683 sqft · built 1974
Lot Size	20.1 acres (877,734 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Aug 2023)
Tax Bill	$4,128 (2026)
Deeds & Mortgages	May 2019 Mortgage Jan 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`P96-15`

Property Details

APN / Parcel Number

Primary APN	`P96-15`
Alternative APN	`42148`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,683 sqft Finished Area
Basement Area	1,106 sqft
Finished Basement	553 sqft
Unfinished Basement	553 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	877,734 sqft (20.1 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	42148
Street Address	6401 PENIEL RD
City	TRYON
State	NC
Zip	28782-7891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	20.15 ACRES, 100D 100D COUNTY RURAL
Legal Subdivision	D COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2020
Census Tract	920103

Owner

6401 Peniel Rd is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	6401 PENIEL RD, TRYON, NC 28782-7891
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
May 24, 2019	Deed of Trust, Mortgage · Unknown CAROLINA FARM CREDIT
Jan 9, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 11, 2026	Warranty Deed, Transfer
Aug 23, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 30, 2016	Special Warranty Deed, Transfer
Apr 12, 2013	Warranty Deed, Transfer
Nov 25, 2008	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on File
Deed Sale	Aug 23, 2023 · Amount on File
Prior Sale	Nov 25, 2008 · Amount on File
Deed Book / Page	480 / 424
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00440/1829
Date	May 24, 2019
Book Page	440/1829

Lender

Name	CAROLINA FARM CREDIT

Agreement

Type	Unknown
Amount	Amount on Record

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 PENIEL RD, TRYON, NC 28782-7891

Mortgage

Document Number	00489/1393
Date	Jan 9, 2025
Book Page	489/1393

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 11, 2026
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Document Number	000498/265
Book / Page	498 / 265
Instrument Date	Mar 11, 2026
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6549 PENIEL RD, TRYON, NC 28782-8829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 PENIEL RD, TRYON, NC 28782-7891

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 23, 2023
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Document Number	000480/424
Book / Page	480 / 424
Map Reference	FILE E PG 2137
Instrument Date	Aug 22, 2023
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 FLINT HILL RD, CHERRYVILLE, NC 28021-9500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 PENIEL RD, TRYON, NC 28782-7891

Mortgage

Document Number	0000480427
Date	Aug 23, 2023
Instrument	480/427

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2016: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 30, 2016
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Document Number	00424/0037
Book / Page	424 / 0037
Map Reference	DD 348 PG 250
Instrument Date	Dec 15, 2016
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 BLACKBEARD DR, STAFFORD, VA 22554-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 725, LANDRUM, SC 29356-0725

April 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 12, 2013
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Document Number	00399/1516
Book / Page	399 / 1516
Map Reference	FILE E PG2137
Instrument Date	Apr 11, 2013
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 FLINT HILL RD, CHERRYVILLE, NC 28021-9500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 FLINT HILL RD, CHERRYVILLE, NC 28021-9500
Investor	Possibly a Property Investor

November 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 25, 2008
Property Address	6401 PENIEL RD, TRYON, NC 28782-7891
Document Number	00369/0956
Book / Page	369 / 0956
Map Reference	MB E PG2137
Instrument Date	Nov 24, 2008
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$674.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 FLINT HILL RD, CHERRYVILLE, NC 28021-9500
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 6401 Peniel Rd was $4,128.

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	$4,128.00	$776,898 (-) Land $288,950 Building $487,948	$776,898 (-) Land $288,950 Building $487,948
2025	$4,128.00	$776,898 Land $288,950 Building $487,948	$776,898 Land $288,950 Building $487,948
2023	$2,545.00 (+3.25%)	$398,795 (-) Land $221,500 Building $177,295
2022	$2,465.00	$398,795 Land $221,500 Building $177,295
2021			$398,795 Land $221,500 Building $177,295

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

Flood

FEMA maps place 6401 Peniel Rd 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 6401 Peniel Rd 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 18 locations within half a mile, as of December 31, 2025

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

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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