7 Rippy Hill Ln, Tryon, NC 28782 Property Records

Polk County property record for 7 Rippy Hill Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 1940
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$329,500 (May 2026)
Tax Bill	$1,479 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2008 Second Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`P48-26`

Property Details

APN / Parcel Number

Primary APN	`P48-26`
Alternative APN	`39338`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,564 sqft Finished Area
Basement Area	710 sqft
Unfinished Basement	710 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	39338
Street Address	7 RIPPY HILL LN
City	TRYON
State	NC
Zip	28782-8690
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	P48, P48 MAP P48
Legal Subdivision	MAP P48
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1031
Census Tract	920301

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	Individual Name on Record
Mailing Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jan 28, 2008	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COUNTRYWIDE BANK FSB
Jan 28, 2008	Deed of Trust, Mortgage · ARM COUNTRYWIDE BANK FSB
Jun 10, 2005	Deed of Trust, Mortgage GMAC MORTGAGE CORP
Oct 2, 2013	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
May 17, 2005	Deed of Trust, Mortgage · Conventional Mortgage GMAC MORTGAGE CORP
Feb 17, 2006	Deed of Trust, Mortgage · Conventional Mortgage AMERICAS WHOLESALE LENDER
Feb 17, 2006	Deed of Trust, Mortgage · Line of Credit AMERICAS WHOLESALE LENDER
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jun 7, 2010	Special Warranty Deed, Transfer · VA Mortgage MOUNTAIN 1ST BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Oct 8, 2009 · Amount on Record
Deed Book / Page	499 / 2008
Prior Transfer Date	Oct 6, 2009
Prior Transfer Doc	0376/0924
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00497/1639
Date	Feb 19, 2026
Book Page	497/1639

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00362/0195
Date	Jan 28, 2008
Book Page	362/0195

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2038

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00362/0179
Date	Jan 28, 2008
Book Page	362/0179

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2013
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.8%
Index	1-Year LIBOR
Max Rate	10.8%

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00328/1054
Date	Jun 10, 2005
Book Page	328/1054

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Amount	Amount Recorded
Term	297 Months
Due	Mar 14, 2030

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00403/0317
Date	Oct 2, 2013
Book Page	403/0317

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2028

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00327/1168
Date	May 17, 2005
Book Page	327/1168

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2035

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00337/2041
Date	Feb 17, 2006
Book Page	337/2041

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2036

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00337/2054
Date	Feb 17, 2006
Book Page	337/2054

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 18, 2026
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Document Number	0499002008
Book / Page	499 / 2008
Instrument Date	May 18, 2026
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 RIPPY HILL LN, TRYON, NC 28782-8690

Mortgage

Document Number	0499002011,
Date	May 18, 2026
Book Page	499/2011

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

June 2010: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 7, 2010
Property Address	7 RIPPY HILL LN, TRYON, NC 28782-8690
Document Number	00380/2245
Book / Page	380 / 2245
Map Reference	MB6 PG35
Instrument Date	May 17, 2010
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 PLANO PKWY, 5000, CARROLLTON, TX 75010-4900

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00380/2247
Date	Jun 7, 2010
Book Page	380/2247

Lender

Name	MOUNTAIN 1ST BANK & TRUST CO
Type	Bank
Address	HENDERSONVILLE, NC 28792

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2040

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	$1,479.00 (+3.5%)	$252,173 (-) Land $47,300 Building $204,873	$252,173 (-) Land $47,300 Building $204,873
2025	$1,429.00 (+20.39%)	$252,173 (+46.82%) Land $47,300 Building $204,873	$252,173 (+46.82%) Land $47,300 Building $204,873
2023	$1,187.00	$171,756 Land $26,380 Building $145,376
2021			$171,756 Land $26,380 Building $145,376

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	3 in force
Nearby Flood Claims	5 (2020–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250

May also be available: Verizon, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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