1020 Smith Rd, Columbus, NC 28722 Property Records

Polk County property record for 1020 Smith Rd, Columbus, NC 28722

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,241 sqft · built 2003
Lot Size	7.14 acres (311,018 sqft)
Owner	2 Company Names on Record
Last Sale	$200,000 (Aug 2024)
Tax Bill	$3,716 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`P73-125`

Property Details

APN / Parcel Number

Primary APN	`P73-125`
Alternative APN	`26569`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,241 sqft Finished Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	311,018 sqft (7.14 acres)
Garage Type	Carport
Garage Area	399 sqft
Carport	Carport
Carport Area	399 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	26569
Street Address	1020 SMITH RD
City	COLUMBUS
State	NC
Zip	28722-6785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	SMITH RD, 0000 00 X 00, 100C 100C COUNTY RURAL
Legal Subdivision	C COUNTY RURAL
Legal Tract	A
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2005
Census Tract	920103

Owner

Source: Polk County records, as of February 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1048 SMITH RD, COLUMBUS, NC 28722-6785
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Sep 10, 2025	Intrafamily Transfer, Transfer
Aug 7, 2024	Warranty Deed, Transfer
Aug 7, 2024	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 29, 2022	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 23, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2024 · Amount on Record
Deed Sale	Aug 7, 2024 · Amount on Record
Prior Sale	Aug 7, 2024 · Amount on Record
Deed Book / Page	486 / 2430
Last Transfer Date	Jul 3, 2025
Transfer Doc	000494/856
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1020 SMITH RD, COLUMBUS, NC 28722-6785
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SMITH RD, COLUMBUS, NC 28722-6785

Mortgage

Document Number	000497/414
Date	Jan 28, 2026
Book Page	497/414

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2055

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Sep 10, 2025
Property Address	1020 SMITH RD, COLUMBUS, NC 28722-6785
Document Number	000494/856
Book / Page	494 / 856
Map Reference	FILE G PG 710
Instrument Date	Jul 3, 2025
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1048 SMITH RD, COLUMBUS, NC 28722-6785

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1048 SMITH RD, COLUMBUS, NC 28722-6785

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 7, 2024
Property Address	1020 SMITH RD, COLUMBUS, NC 28722-6785
Document Number	00486/2430
Book / Page	486 / 2430
Map Reference	FILE G PG 710
Instrument Date	Aug 5, 2024
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 HILLCREST DR, GREER, SC 29651-1625

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1048 SMITH RD, COLUMBUS, NC 28722-6785

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 7, 2024
Property Address	1020 SMITH RD, COLUMBUS, NC 28722-6785
Document Number	00486/2411
Book / Page	486 / 2411
Map Reference	FILE G PG 710
Instrument Date	Aug 5, 2024
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 HILLCREST DR, GREER, SC 29651-1625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SMITH RD, COLUMBUS, NC 28722-6785

Mortgage

Document Number	0048622414
Date	Aug 7, 2024
Instrument	486/2//2414

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 29, 2022
Property Address	1020 SMITH RD, COLUMBUS, NC 28722-6785
Document Number	00469/1359
Book / Page	469 / 1359
Map Reference	FILE D PG 557
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 US 64 HWY, RUTHERFORDTON, NC 28139-8184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 SMITH RD, COLUMBUS, NC 28722-6785

Mortgage

Document Number	0004691362
Date	Apr 29, 2022
Instrument	469/1362

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK NC
Recording Date	Oct 23, 2018
Property Address	1020 SMITH RD, COLUMBUS, NC 28722-6785
Document Number	00436/1911
Book / Page	436 / 1911
Instrument Date	Oct 22, 2018
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1175 SMITH RD, COLUMBUS, NC 28722-6786

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	$3,716.00 (+30.57%)	$728,072 (+63.62%) Land $119,820 Building $608,252	$728,072 (+63.62%) Land $119,820 Building $608,252
2023	$2,846.00	$444,968 Land $158,200 Building $286,768
2021			$444,968 Land $158,200 Building $286,768

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 51% of the US · above 72% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fixed Wireless	500 / 250
AT&T Fixed Wireless	25 / 3

May also be available: Pangaea Internet, Verizon, Vyve Broadband, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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