845 White Oak Ln, Tryon, NC 28782 Property Records

Polk County property record for 845 White Oak Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,340 sqft · built 1999
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Sep 2018)
Tax Bill	$2,224 (2026)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P84-51`

Property Details

APN / Parcel Number

Primary APN	`P84-51`
Alternative APN	`56371`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,340 sqft Finished Area
Basement Area	1,340 sqft
Unfinished Basement	1,340 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	222,156 sqft (5.1 acres)
Garage Type	Detached
Garage Area	1,224 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56371
Street Address	845 WHITE OAK LN
City	TRYON
State	NC
Zip	28782-8873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 23, 0F05 FOXWOOD HILLS 09
Legal Subdivision	FOXWOOD HILLS
Legal Lot Number	23
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2018
Census Tract	920103

Owner

845 White Oak Ln is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	845 WHITE OAK LN, TRYON, NC 28782-8873
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
Sep 19, 2018	Warranty Deed, Transfer ENTEGRA BANK
Jan 4, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2018 · Amount on File
Deed Sale	Sep 19, 2018 · Amount on File
Prior Sale	Jan 4, 2018 · Amount on File
Deed Book / Page	436 / 33
Prior Transfer Date	May 4, 2016
Prior Transfer Doc	00419/0194
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 19, 2018
Property Address	845 WHITE OAK LN, TRYON, NC 28782-8873
Document Number	0000436/33
Book / Page	436 / 33
Instrument Date	Sep 14, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 WHITE OAK LN, TRYON, NC 28782-8873

Mortgage

Document Number	0000000436/0000000036
Date	Sep 19, 2018
Book Page	0000000436/0000000036

Lender

Name	ENTEGRA BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	172 Months
Due	Jan 1, 2033

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 4, 2018
Property Address	845 WHITE OAK LN, TRYON, NC 28782-8873
Document Number	00430/2238
Book / Page	430 / 2238
Instrument Date	Jan 3, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41000 W 13 MILE RD, 41000, NOVI, MI 48377-2800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 WHITE OAK LN, TRYON, NC 28782-8873

Mortgage

Document Number	430/2240
Date	Jan 4, 2018
Book Page	430/2240

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 845 White Oak Ln was $2,224.

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	$2,224.00	$425,501 (-) Land $94,200 Building $331,301	$425,501 (-) Land $94,200 Building $331,301
2025	$2,224.00	$425,501 Land $94,200 Building $331,301	$425,501 Land $94,200 Building $331,301
2023	$2,011.00	$315,877 Land $66,000 Building $249,877
2021			$315,877 Land $66,000 Building $249,877

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

Flood

FEMA maps place 845 White Oak Ln 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 845 White Oak Ln is moderate, ranking above 53% 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 53% of the US · above 75% 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 11 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.

Cell Coverage

4G LTE only, no 5G reported

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