Polk County property record for 97 Covil Dr, Tryon, NC 28782 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,560 sqft · built 2008 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,500 (May 2019) |
| Tax Bill | $1,643 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P86-117 |
| Primary APN | P86-117 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,560 sqft Finished Area |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 56991 |
|---|---|
| Street Address | 97 COVIL DR |
| City | TRYON |
| State | NC |
| Zip | 28782-8912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | C-939, 100C 100C COUNTY RURAL |
| Legal Subdivision | C COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | COLUMBUS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 920103 |
Source: Polk County records · APN P86-117
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 97 COVIL DR, TRYON, NC 28782-8912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ENTEGRA BANK |
| May 15, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage ATLANTIC BAY MORTGAGE GROUP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 15, 2019 · Amount on Record |
| Deed Sale | May 15, 2019 · Amount on Record |
| Prior Sale | Jul 15, 2005 · Amount on Record |
| Deed Document Number | 0004401184 |
| Deed Book / Page | 440 / 1184 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 97 COVIL DR, TRYON, NC 28782-8912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 431/646 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 431/646 |
| Name | ENTEGRA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 09, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | May 15, 2019 |
| Property Address | 97 COVIL DR, TRYON, NC 28782-8912 |
| Document Number | 00440/1184 |
| Book / Page | 440 / 1184 |
| Instrument Date | May 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 COVIL DR, TRYON, NC 28782-8912 |
| Document Number | 00440/1187 |
|---|---|
| Date | May 15, 2019 |
| Book Page | 440/1187 |
| Name | ATLANTIC BAY MORTGAGE GROUP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,643.00 (+9.75%) | $314,477 (+33.69%) Land $40,000 Building $274,477 | $314,477 (+33.69%) Land $40,000 Building $274,477 |
| 2023 | $1,497.00 | $235,228 Land $25,000 Building $210,228 | |
| 2021 | $235,228 Land $25,000 Building $210,228 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 56% of the US · above 78% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 769 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Fiber | 1,000 / 1,000 |
| Skyrunner | Fixed Wireless (unlicensed) | 500 / 250 |
| Uniti Group | DSL | 200 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Skyrunner. Availability varies by address; speeds are provider-advertised maximums, not measured.
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