159 Polk Rd, Ellenboro, NC 28040 Property Records

Rutherford County property record for 159 Polk Rd, Ellenboro, NC 28040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,325 sqft · built 1992
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Aug 2022)
Tax Bill	$962 (2022)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1613597`

Property Details

APN / Parcel Number

Primary APN	`1613597`
Alternative APN	`30016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,325 sqft Heated Area
Flooring	Concrete/Cement
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Canopy	112 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	30016
Street Address	159 POLK RD
City	ELLENBORO
State	NC
Zip	28040-5706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLANTON RIDGE LO27 PL15-31
Legal Subdivision	BLANTON RDG
Legal Block	2
Legal Lot Number	27
Jurisdiction	RUTHERFORD NC
Township / Civil Division	COLFAX
Census Block Group	3
Census Block	3014
Census Tract	961001

Owner

Source: Rutherford County records, as of September 13, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	159 POLK RD, ELLENBORO, NC 28040-5706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage VALON MORTGAGE INC
Sep 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 26, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PETER D BAILEY ETAL
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	May 3, 2013 · Amount on Record
Deed Document Number	0020641537
Deed Book / Page	2064 / 1537
Record Updated	Jun 7, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	159 POLK RD, ELLENBORO, NC 28040-5706
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 POLK RD, ELLENBORO, NC 28040-5706

Mortgage

Document Number	0020990357
Date	Jan 20, 2026
Book Page	2099/357

Lender

Name	VALON MORTGAGE INC
Type	Mortgage Company
Address	PHOENIX, AZ 85044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	159 POLK RD, ELLENBORO, NC 28040-5706
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 POLK RD, ELLENBORO, NC 28040-5706

Mortgage

Document Number	0020743940
Date	Sep 1, 2023
Book Page	2074/3940

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	159 POLK RD, ELLENBORO, NC 28040-5706
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020541999
Date	Dec 1, 2021
Book Page	2054/1999

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2032

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 26, 2022
Property Address	159 POLK RD, ELLENBORO, NC 28040-5706
Document Number	0020641537
Book / Page	2064 / 1537
Map Reference	MB 15 PG 31
Instrument Date	Aug 26, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 BOB COOK RD, 265, MAIDEN, NC 28650-8762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 POLK RD, ELLENBORO, NC 28040-5706

Mortgage

Document Number	0020641540
Date	Aug 26, 2022
Instrument	2064/1540

Lender

Name	PETER D BAILEY ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD NC
Property Address	159 POLK RD, ELLENBORO, NC 28040-5706
Document Number	0020254377
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 POLK RD ELLENBORO NC 280405706, ELLENBORO, NC 28040-5706

Mortgage

Document Number	0020254377
Date	Sep 13, 2019
Book Page	002025/004377
Instrument	2816

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2049

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023		$190,000 Land $18,000 Building $172,000	$190,000 Land $18,000 Building $172,000
2022	$962.00
2021	$962.00

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 April 18, 2014

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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONCORD COMM WATER SYSTEM public/private · serves 1,867 people · EPA ID NC0181050
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Pangaea Internet.

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