95 Forest Ridge Ln, Tryon, NC 28782 Property Records

Polk County property record for 95 Forest Ridge Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,886 sqft · built 2013
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Apr 2014)
Tax Bill	$2,646 (2026)
Deeds & Mortgages	May 2026 Line of Credit May 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P116-115`

Property Details

APN / Parcel Number

Primary APN	`P116-115`
Alternative APN	`52193`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,886 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	52193
Street Address	95 FOREST RIDGE LN
City	TRYON
State	NC
Zip	28782-0046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 31, 0V02 VISTA AT THE RIVER BANK
Legal Subdivision	VISTA AT THE RIVER BANK
Legal Lot Number	31
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1042
Census Tract	920101

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	2 Individual Names on Record
Mailing Address	95 FOREST RIDGE LN, TRYON, NC 28782-0046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
May 1, 2026	Deed of Trust · Line of Credit TRUST BANK
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2014 · Amount on Record
Deed Sale	Apr 15, 2014 · Amount on Record
Prior Sale	Nov 6, 2009 · Amount on Record
Deed Book / Page	405 / 2411
Prior Transfer Date	Sep 15, 2008
Prior Transfer Doc	00368/0728
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	May 1, 2026
Property Address	95 FOREST RIDGE LN, TRYON, NC 28782-0046
Document Number	00499/1101
Book / Page	499 / 1101
Instrument Date	Apr 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 FOREST RIDGE LN, TRYON, NC 28782-0046

Mortgage

Document Number	0499001101,
Date	May 1, 2026
Book Page	499/1101

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	May 1, 2026
Property Address	95 FOREST RIDGE LN, TRYON, NC 28782-0046
Document Number	0499001101
Book / Page	499 / 1101
Instrument Date	Apr 9, 2026
Record Updated	May 13, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 FOREST RIDGE LN, TRYON, NC 28782-0046

Mortgage

Document Number	0499001101,
Date	May 1, 2026
Book Page	499/1101

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	95 FOREST RIDGE LN, TRYON, NC 28782-0046
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	454/2447
Date	Dec 17, 2020
Book Page	454/2447

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

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	$2,646.00	$498,014 (-) Land $36,750 Building $461,264	$498,014 (-) Land $36,750 Building $461,264
2025	$2,646.00 (+24.11%)	$498,014 (+49.04%) Land $36,750 Building $461,264	$498,014 (+49.04%) Land $36,750 Building $461,264
2023	$2,132.00	$334,141 Land $26,750 Building $307,391
2021			$334,141 Land $26,750 Building $307,391

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 46% of the US · above 67% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	200 / 20

May also be available: Pangaea Internet.

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