Tryon Estates
617 Laurel Lake Drive, Columbus, North Carolina 28722 · Community website
- Operator:
- ACTS Retirement-Life Communities, Inc.
- Ownership:
- Nonprofit
- Affiliation:
- Not disclosed in the 2026 filing
- Opened:
- 1992
Tryon Estates is a trade name of ACTS Retirement-Life Communities, Inc. (Fort Washington, PA), whose sole member is ACTS Retirement Services, Inc.
- Type A (life care)
Figures from the 2026 disclosure statement (fiscal 2025 finances), filed with the North Carolina Department of Insurance.PDF
At a glance
Entrance fee, one person, every plan
Monthly fee, independent living
Refund plans offered
- Declining Balance (0% after 50 months)Can decline to nothing
Days cash on hand
Read the note on this figure
Figures are for the whole ACTS obligated group, which runs many communities in several states; ACTS Retirement-Life Communities, Inc. alone (provider only) reports 257 days cash and 3.42x coverage for FY2025 (p45, p47). The 256 days rest on $395.2M of 'unrestricted cash and investments' (Section 29); the audit's liquidity note counts $321.2M of cash and investments without donor restrictions, including internally designated funds (p67), about 208 days, and says state reserves, debt reserves and the interest in ALF/CFSA investments are restricted. The document does not reconcile the $74M difference.
Independent living occupancy
Nursing care, CMS overall rating
What care costs later
How each contract prices assisted living and nursing if you need them. The contract type decides most of what a long stay costs.
- Type A (life care): Moving to assisted living or nursing leaves your monthly fee essentially unchanged.
How the contract types compare
Type A (life care)
Per the representative contract, which is ACTS's North Carolina form (NC-RC001) and names its assisted living and nursing buildings OakBridge Terrace and WillowBrooke Court rather than Tryon Estates' own: assisted living, routine nursing and skilled nursing are provided as part of the Monthly Fee, so a move to a higher level of care does not change the monthly fee. Medications, therapy, physician services, supplies and subacute care are extra.p. 154
- Assisted living
- Same Monthly Fee as the independent living residence (subject to periodic increases); extra meals and charges outside the Monthly Fee are billed
- Nursing care
- Same Monthly Fee as the residence; three meals a day come out of the Declining Balance Plan; ancillaries are extra
| Independent living | 280 |
|---|---|
| Assisted living | 42 |
| Memory care | Not disclosed in the 2026 filing |
| Nursing care | 36 |
Entrance fees
One-person prices as the filing lists them, by contract. A second person usually pays the extra amount shown.
Resident Contract (Declining Balance) · Type A (life care) (5 prices, $179,900 to $802,900)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Melrose (1 Bedroom) | Declining Balance (0% after 50 months) | $179,900 to $280,900p. 31 | $40,000 |
| Saluda (2 Bedroom) | Declining Balance (0% after 50 months) | $251,900 to $392,900p. 31 | $40,000 |
| Pearson (3 Bedroom) | Declining Balance (0% after 50 months) | $313,900 to $488,900p. 31 | $40,000 |
| White Oak Carriage Home (2 Bedroom) | Declining Balance (0% after 50 months) | $506,900 to $715,900p. 31 | $40,000 |
| Blue Ridge Carriage Home (3 Bedroom) | Declining Balance (0% after 50 months) | $568,900 to $802,900p. 31 | $40,000 |
Monthly fees
What residents pay each month, by contract and level of care. A second person adds the amount shown.
Resident Contract (Declining Balance) · Type A (life care) (5 prices, $3,254 to $5,790)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Melrose (1 Bedroom) | Independent living | $3,254 to $4,184p. 30 | $2,267 |
| Saluda (2 Bedroom) | Independent living | $3,804 to $4,891p. 30 | $2,267 |
| Pearson (3 Bedroom) | Independent living | $4,232 to $5,441p. 30 | $2,267 |
| White Oak Carriage Home (2 Bedroom) | Independent living | $4,370 to $5,618p. 30 | $2,267 |
| Blue Ridge Carriage Home (3 Bedroom) | Independent living | $4,504 to $5,790p. 30 | $2,267 |
Fee increases, year by year
| Year | Level of care | Unit | Increase | Monthly fee, before and after |
|---|---|---|---|---|
| 2025 | Independent living | All units | 3.9% | Percent onlyp. 30 |
| 2024 | Independent living | All units | 4.65% | Percent onlyp. 30 |
| 2023 | Independent living | All units | 7.5% | Percent onlyp. 30 |
| 2022 | Independent living | All units | 4.5% | Percent onlyp. 30 |
| 2021 | Independent living | All units | 3.75% | Percent onlyp. 30 |
Refunds
What comes back from the entrance fee when you leave or die, and when it is paid.
Declining Balance (0% after 50 months)p. 160
A 5% Administrative Fee is kept; the remaining 95% falls by 2% a month from the month after move-in, and nothing is refundable after 50 months. Any refund is paid within 90 days after the contract ends and the residence is vacated; it does not wait for resale.
- Kept on move-in
- 5% of the fee
- Declines by
- 2% a month for 50 months
- Never less than
- Nothing: it can decline to zero
- Longest wait
- 3 months
- Paid
- Within a fixed number of days
Refund calculator
Estimated refund: $0 (0% of the fee)
When it is paid: within a fixed number of days. This applies the plan terms as recorded from the filing, counting a part month as a whole one. The signed contract governs, and charges you owe or care paid for from the fee can be deducted first.
How entrance-fee refunds work, and why the payment date matters
Finances
Whether the organisation behind the community has the cash and income to keep its promises for decades.
- Tryon Estates is part of ACTS Retirement-Life Communities, Inc. (Obligated Group).
- Balance sheet: ACTS Retirement-Life Communities, Inc. (Obligated Group), special-purpose combined.
- Ratios: ACTS Retirement-Life Communities, Inc. (Obligated Group).
Days cash on hand
256 days FY2025p. 2
- Its lenders’ minimum: 90 daysp. 46
- Industry median: 321 days Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
Debt service coverage
3.31x FY2025p. 2
- Its lenders’ minimum: Not disclosed in the 2026 filing
- Industry median: 1.80x Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
Read with these figuresFigures are for the whole ACTS obligated group, which runs many communities in several states; ACTS Retirement-Life Communities, Inc. alone (provider only) reports 257 days cash and 3.42x coverage for FY2025 (p45, p47). The 256 days rest on $395.2M of 'unrestricted cash and investments' (Section 29); the audit's liquidity note counts $321.2M of cash and investments without donor restrictions, including internally designated funds (p67), about 208 days, and says state reserves, debt reserves and the interest in ALF/CFSA investments are restricted. The document does not reconcile the $74M difference.
How to read these figures: what each one measures and why a lender’s minimum is a floor, not a target.
Balance sheet and trend
| Fiscal year | FY2025p. 57 | FY2024p. 2 | FY2023p. 2 |
|---|---|---|---|
| Days cash on hand | 256 days | 244 days | 258 days |
| Debt service coverage | 3.31x | 3.41x | 3.27x |
| Operating margin | -1.8% | -4.1% | -4.7% |
| Total assets | $2.41 billion | $2.26 billion | Not disclosed |
| Total liabilities | $2.19 billion | $2.07 billion | Not disclosed |
| Long-term debt | $888.6 million | $802.4 million | Not disclosed |
| Entrance fees not yet earned (deferred revenue) | $1.11 billion | $1.06 billion | Not disclosed |
| Refunds owed to residents (refundable fee liability) | $6.4 million | Not disclosed | Not disclosed |
| Net position (assets minus liabilities) | $229.4 million | $191.0 million | Not disclosed |
Auditor: Baker Tilly US, LLP. Opinion: Unmodified (clean) opinionp. 57
Occupancy
Nursing care on campus
From CMS Care Compare, data as of 2026-09-01. These are the federal government’s ratings of the nursing center, not ours.
- Overall
- 5 of 5
- Health inspections
- 5 of 5
- Staffing
- 5 of 5
- Quality measures
- 4 of 5
Fines recorded by CMS: 0. Health citations since 2023-10-16: 1. Willowbrooke Court SC Ctr at Tryon Estates on Care Compare
In brief
Tryon Estates in Columbus, opened in 1992 and run by ACTS Retirement-Life Communities, has 280 independent living apartments and carriage homes, 42 assisted living units and 36 skilled nursing beds. Its one contract is life care: entrance fees from $179,900 to $802,900 single, declining to no refund after 50 months, with the monthly fee unchanged on a move to assisted living or nursing under ACTS's North Carolina contract form.PDF
Nearest communities in North Carolina
- White Oak Village Apartments
Tryon · 3 miles away
Entrance fee: $25,000 to $30,000
- Carolina Village
Hendersonville · 15 miles away
Entrance fee: $241,900 to $677,400
- Legacy at Mills River
Mills River · 22 miles away
Entrance fee: $588,430 to $1,940,885
Sources
- Tryon Estates — 2026 Disclosure StatementNorth Carolina Department of Insurance · filed 2026, fiscal 2025 finances · 194 pages · retrieved 2026-10-15
Each page tab above opens this PDF at the page the figure came from. Spotted a figure that does not match its page? Tell us and it is checked against the filing.