641 White Oak Ln, Tryon, NC 28782 Property Records

Polk County property record for 641 White Oak Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,980 sqft · built 1994
Lot Size	2.89 acres (125,888 sqft)
Owner	2 Trust Names on Record
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P84-53`

Property Details

APN / Parcel Number

Primary APN	`P84-53`
Alternative APN	`22156`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,980 sqft Finished Area
Basement Area	1,580 sqft
Finished Basement	852 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	125,888 sqft (2.89 acres)
Garage Area	1,133 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	22156
Street Address	641 WHITE OAK LN
City	TRYON
State	NC
Zip	28782-8875
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 27, 0F05 FOXWOOD HILLS 09
Legal Subdivision	FOXWOOD HILLS
Legal Lot Number	27
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2018
Census Tract	920103

Owner

Source: Polk County records, as of September 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	641 WHITE OAK LN, TRYON, NC 28782-8875
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Intrafamily Transfer, Transfer
Feb 1, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1997
Deed Sale	Dec 31, 1997
Deed Book / Page	223 / 1131
Last Transfer Date	Sep 6, 2023
Transfer Doc	00480/1336
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Sep 7, 2023
Property Address	641 WHITE OAK LN, TRYON, NC 28782-8875
Document Number	00480/1336
Book / Page	480 / 1336
Map Reference	SL A-215 PG 74
Instrument Date	Sep 6, 2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 WHITE OAK LN, TRYON, NC 28782-8875

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	641 WHITE OAK LN, TRYON, NC 28782-8875

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	641 WHITE OAK LN, TRYON, NC 28782-8875
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	424/1708
Date	Feb 1, 2017
Book Page	424/1708
Instrument	004635490005

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	COLUMBUS, NC 28722

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	641 WHITE OAK LN, TRYON, NC 28782-8875
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	451/2303
Date	Sep 15, 2020
Book Page	451/2303

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

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
2025	$2,738.00 (+16.81%)	$523,927 (+42.29%) Land $72,180 Building $451,747	$523,927 (+42.29%) Land $72,180 Building $451,747
2023	$2,344.00 (+4.5%)	$368,214 (-) Land $46,400 Building $321,814
2022	$2,243.00	$368,214 Land $46,400 Building $321,814
2021			$368,214 Land $46,400 Building $321,814

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 50% of the US · above 71% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Windstream DSL	25 / 3

May also be available: AT&T, Spectrum.

Cell Coverage

4G LTE only, no 5G reported

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