650 Laurel Heights Ln, Tryon, NC 28782 Property Records

Polk County property record for 650 Laurel Heights Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1979
Lot Size	1.98 acres (86,249 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Sep 2021)
Tax Bill	$1,324 (2026)
Deeds & Mortgages	Dec 2009 Mortgage Aug 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P75-118`

Property Details

APN / Parcel Number

Primary APN	`P75-118`
Alternative APN	`54444`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,632 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	86,249 sqft (1.98 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	54444
Street Address	650 LAUREL HEIGHTS LN
City	TRYON
State	NC
Zip	28782-6641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE5
Legal Description	1.98 ACRES, 0L10 LAUREL PARK
Legal Subdivision	LAUREL PARK
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1017
Census Tract	920104

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	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2009	Deed of Trust, Mortgage · Conventional Mortgage MACON BANK INC
Aug 5, 2025	Deed of Trust, Mortgage · Line of Credit CIVIC FCU
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Oct 11, 2016	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Mar 7, 2005	Commissioner's Deed, Foreclosure · ARM US BANK NA ND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Oct 11, 2016 · Amount on File
Deed Book / Page	462 / 2450
Record Updated	Oct 29, 2026

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00377/1923
Date	Dec 23, 2009
Book Page	377/1923

Lender

Name	MACON BANK INC
Address	FRANKLIN, NC 28744

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2040

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00493/1793
Date	Aug 5, 2025
Book Page	493/1793

Lender

Name	CIVIC FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 4, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 9, 2021
Property Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Document Number	462/2450
Book / Page	462 / 2450
Map Reference	SL A-243 PG 936
Instrument Date	Sep 8, 2021
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 BILL COLLINS RD, 923, COLUMBUS, NC 28722-7790

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641

Mortgage

Document Number	4622453
Date	Sep 9, 2021
Instrument	462/2453

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 11, 2016
Property Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Document Number	00422/0846
Book / Page	422 / 0846
Map Reference	DD 324 PG 1248
Instrument Date	Oct 7, 2016
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1503, COLUMBUS, NC 28722-1503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641

Mortgage

Document Number	000422/849
Date	Oct 11, 2016
Book Page	422/849
Instrument	004621970020

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2046

March 2005: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	POLK NC
Recording Date	Mar 7, 2005
Property Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Document Number	00324/1248
Book / Page	324 / 1248
Map Reference	MB A-243 PG936
Instrument Date	Feb 24, 2005
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	650 LAUREL HEIGHTS LN, TRYON, NC 28782-6641
Investor	Possibly a Property Investor

Mortgage

Document Number	0032401251
Date	Mar 7, 2005
Instrument	00324_01251

Lender

Name	US BANK NA ND
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2010
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	10.7%
Index	1-Year LIBOR
Max Rate	11.7%

Mortgage

Document Number	00324/1269
Date	Mar 7, 2005
Book Page	324/1269

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,324.00	$253,487 (-) Land $42,840 Building $210,647	$253,487 (-) Land $42,840 Building $210,647
2025	$1,324.00 (+3.36%)	$253,487 (+25.92%) Land $42,840 Building $210,647	$253,487 (+25.92%) Land $42,840 Building $210,647
2023	$1,281.00	$201,302 Land $37,350 Building $163,952
2021			$201,302 Land $37,350 Building $163,952

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 · 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	4 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2020 · river or lake flooding

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

Provider	Max Down / Up (Mbps)
Skyrunner Fixed Wireless	500 / 250
Windstream DSL	50 / 3

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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