950 White Oak Ln, Tryon, NC 28782 Property Records

Polk County property record for 950 White Oak Ln, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1980
Lot Size	3.6 acres (156,816 sqft)
Owner	2 Individual Names on File
Last Sale	$331,000 (Jul 2021)
Tax Bill	$1,664 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`P84-45`

Property Details

APN / Parcel Number

Primary APN	`P84-45`
Alternative APN	`19324`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,008 sqft Finished Area
Basement Area	1,008 sqft
Finished Basement	504 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Roof Material	Shingle
Lot Area	156,816 sqft (3.6 acres)
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	19324
Street Address	950 WHITE OAK LN
City	TRYON
State	NC
Zip	28782-8870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT #16, 0F05 FOXWOOD HILLS 09
Legal Subdivision	FOXWOOD HILLS
Legal Lot Number	16
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2018
Census Tract	920103

Owner

Source: Polk County assessment roll, as of September 30, 2025

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	950 WHITE OAK LN, TRYON, NC 28782-8870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage ACOPIA LLC
Jan 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DOUGLAS E HARMON

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Oct 11, 2004
Deed Book / Page	461 / 949
Prior Transfer Date	Dec 1, 2011
Prior Transfer Doc	00390/2484
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 16, 2021
Property Address	950 WHITE OAK LN, TRYON, NC 28782-8870
Document Number	461/949
Book / Page	461 / 949
Map Reference	FILE C PG 682
Instrument Date	Jun 22, 2021
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$662.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 PIN OAK TRL, 72, TRYON, NC 28782-0225

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	950 WHITE OAK LN, TRYON, NC 28782-8870

Mortgage

Document Number	461952
Date	Jul 16, 2021
Instrument	461/952

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	950 WHITE OAK LN, TRYON, NC 28782-8870
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	438/590
Date	Jan 22, 2019
Book Page	438/590

Lender

Name	DOUGLAS E HARMON

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

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
2025	$1,664.00 (+38.09%)	$318,410 (+68.2%) Land $76,200 Building $242,210	$318,410 (+68.2%) Land $76,200 Building $242,210
2023	$1,205.00	$189,310 Land $51,000 Building $138,310
2021			$189,310 Land $51,000 Building $138,310

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

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

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 at the parcel

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
Uniti Group DSL	25 / 3

May also be available: AT&T.

Cell Coverage

4G LTE only, no 5G reported

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