71 Oak Leaf Trl, Tryon, NC 28782 Property Records

Polk County property record for 71 Oak Leaf Trl, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,128 sqft · built 1995
Lot Size	18.6 acres (810,652 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Sep 2021)
Tax Bill	$1,967 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P106-62`

Property Details

APN / Parcel Number

Primary APN	`P106-62`
Alternative APN	`22238`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Total Rooms	3 Rooms
Building Area	1,128 sqft Finished Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	810,652 sqft (18.6 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	22238
Street Address	71 OAK LEAF TRL
City	TRYON
State	NC
Zip	28782-0390
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	MOORE RD, 600B 600B COUNTY RURAL
Legal Subdivision	B COUNTY RURAL
Legal Tract	C
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1037
Census Tract	920101

Owner

Source: Polk County records · APN P106-62

Assessment roll updated September 30, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	83 MOORE RD, TRYON, NC 28782-7709
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust · Line of Credit FIRST CITIZENS BANK AND TRUST COMPANY
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST COMPANY
Oct 09, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage KATHRINE ANN CHENEY ETUX

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	Dec 31, 1997
Deed Book / Page	463 / 917
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Apr 30, 2026
Property Address	71 OAK LEAF TRL, TRYON, NC 28782-0390
Document Number	0499001058
Book / Page	499 / 1058
Instrument Date	Apr 21, 2026
Record Updated	May 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 OAK LEAF TRL, TRYON, NC 28782-0390

Mortgage

Document Number	0499001058,
Date	Apr 30, 2026
Book Page	499/1058

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Apr 30, 2026
Property Address	71 OAK LEAF TRL, TRYON, NC 28782-0390
Document Number	00499/1058
Book / Page	499 / 1058
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 OAK LEAF TRL, TRYON, NC 28782-0390

Mortgage

Document Number	0499001058,
Date	Apr 30, 2026
Book Page	499/1058

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	71 OAK LEAF TRL, TRYON, NC 28782-0390
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 OAK LEAF TRL, TRYON, NC 28782-0390

Mortgage

Document Number	00494/2450
Date	Oct 09, 2025
Book Page	494/2450

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 21, 2021
Property Address	71 OAK LEAF TRL, TRYON, NC 28782-0390
Document Number	000463/917
Book / Page	463 / 917
Map Reference	FILE B PG 1243
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 MOORE RD, TRYON, NC 28782-7709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83 MOORE RD, TRYON, NC 28782-7709

Mortgage

Document Number	0000463920
Date	Sep 21, 2021
Instrument	463/920

Lender

Name	KATHRINE ANN CHENEY ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 01, 2022

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,967.00 (+2.5%)	$370,323 (+23.15%) Land $102,879 Building $267,444	$604,814 (+13.01%) Land $337,370 Building $267,444
2023	$1,919.00	$300,706 Land $94,879 Building $205,827
2021			$535,197 Land $329,370 Building $205,827

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 8, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: e-Polk, Uniti Group.

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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