960 Phillips Dairy Rd, Tryon, NC 28782 Property Records

Polk County property record for 960 Phillips Dairy Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1960
Lot Size	7.86 acres (342,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$441,500 (May 2026)
Tax Bill	$1,152 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P116-38`

Property Details

APN / Parcel Number

Primary APN	`P116-38`
Alternative APN	`35885`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	988 sqft Finished Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	342,382 sqft (7.86 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	35885
Street Address	960 PHILLIPS DAIRY RD
City	TRYON
State	NC
Zip	28782-8707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	P116, 600 600 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Legal Tract	A
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1040
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	960 PHILLIPS DAIRY RD, TRYON, NC 28782-8707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 8, 2026	Warranty Deed, Transfer · Conventional Mortgage GOPRIME MORTGAGE INC
Mar 7, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Prior Sale	Apr 23, 2025 · Amount on Record
Deed Book / Page	499 / 1555
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Sep 9, 2026
Property Address	960 PHILLIPS DAIRY RD, TRYON, NC 28782-8707
Document Number	0502000493
Book / Page	502 / 493
Instrument Date	Aug 26, 2026
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 PHILLIPS DAIRY RD, TRYON, NC 28782-8707

Mortgage

Document Number	0502000493,
Date	Sep 9, 2026
Book Page	502/493

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2056

Interest

Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 8, 2026
Property Address	960 PHILLIPS DAIRY RD, TRYON, NC 28782-8707
Document Number	0499001555
Book / Page	499 / 1555
Instrument Date	Apr 28, 2026
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 PHILLIPS DAIRY RD, TRYON, NC 28782-8707

Mortgage

Document Number	0499001558,
Date	May 8, 2026
Book Page	499/1558

Lender

Name	GOPRIME MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 7, 2023
Property Address	960 PHILLIPS DAIRY RD, TRYON, NC 28782-8707
Document Number	00476/1387
Book / Page	476 / 1387
Map Reference	FILE G PG 396
Instrument Date	Mar 6, 2023
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount Recorded
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 OCEAN BLVD, ISLE OF PALMS, SC 29451-2159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BROWN FARM RD, HENDERSONVILLE, NC 28792-7900

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	$1,152.00 (-41.76%)	$216,856 (-41.76%) Land $141,330 Building $75,526	$216,856 (-41.76%) Land $141,330 Building $75,526
2025	$1,978.00 (-28.85%)	$372,321 (-14.56%) Land $296,795 Building $75,526	$372,321 (-45.54%) Land $296,795 Building $75,526
2023	$2,780.00	$435,749 Land $374,692 Building $61,057
2021			$683,657 Land $622,600 Building $61,057

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Phillips Dairy Rd

Nearby Streets

All Tryon, NC Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures