274 Laurel Cir, Columbus, NC 28722 Property Records

Polk County property record for 274 Laurel Cir, Columbus, NC 28722

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 1969
Lot Size	4.71 acres (205,168 sqft)
Owner	Individual Name on Record
Last Sale	$358,000 (Jun 2022)
Tax Bill	$2,119 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2006 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P74-14`

Property Details

APN / Parcel Number

Primary APN	`P74-14`
Alternative APN	`40567`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,785 sqft Finished Area
Basement Area	372 sqft
Finished Basement	372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	205,168 sqft (4.71 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	40567
Street Address	274 LAUREL CIR
City	COLUMBUS
State	NC
Zip	28722-9737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	4.71 ACRES, 0P02 PERSIMMON HILL 09
Legal Subdivision	PERSIMMON HILL
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1005
Census Tract	920104

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	Individual Name on Record
Mailing Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 20, 2006	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage BOKF NA
Mar 16, 2012	Special Warranty Deed, Transfer · Conventional Mortgage MOUNTAIN 1ST BANK & TRUST CO
Nov 30, 2006	Warranty Deed, Transfer · ARM FIRST FRANKLIN FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Mar 16, 2012 · Amount on Record
Deed Book / Page	470 / 1139
Prior Transfer Date	Aug 19, 2011
Prior Transfer Doc	00388/1594
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737

Mortgage

Document Number	000497/839
Date	Feb 6, 2026
Book Page	497/839

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00342/1588
Date	Jun 20, 2006
Book Page	342/1588

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	5.25%
Change Frequency	2 Years
Min Rate At Change	4.75%
Index	1-Year T-Bill
Margin	1
Max Rate	13.2%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 3, 2022
Property Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737
Document Number	00470/1139
Book / Page	470 / 1139
Map Reference	FILE F PG 45
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$716.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 YONAH LAKE CIR, TOCCOA, GA 30577-6919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737

Mortgage

Document Number	0004701142
Date	Jun 3, 2022
Instrument	470/1142

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

March 2012: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 16, 2012
Property Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737
Document Number	000392/803
Book / Page	392 / 803
Map Reference	FIEL C PG1178
Instrument Date	Mar 8, 2012
Transaction Type	Transfer
Record Updated	Nov 22, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039200809
Date	Mar 16, 2012
Instrument	00392_00809

Lender

Name	MOUNTAIN 1ST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2027

November 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 30, 2006
Property Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737
Document Number	00348/0831
Book / Page	348 / 0831
Map Reference	MB C PG1178
Instrument Date	Nov 27, 2006
Transaction Type	Transfer
Record Updated	Nov 22, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 LAUREL CIR, COLUMBUS, NC 28722-9737

Mortgage

Document Number	0034800834
Date	Nov 30, 2006
Instrument	00348_00834

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2009
Change Frequency	6 Months
Min Rate At Change	6.75%
Max Rate At Change	9.75%
Index	6-Month LIBOR
Max Rate	12.7%

Mortgage

Document Number	00348/0850
Date	Nov 30, 2006
Book Page	348/0850

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2026

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	$2,119.00	$405,435 (-) Land $93,350 Building $312,085	$405,435 (-) Land $93,350 Building $312,085
2025	$2,119.00 (+62.5%)	$405,435 (+97.94%) Land $93,350 Building $312,085	$405,435 (+97.94%) Land $93,350 Building $312,085
2023	$1,304.00	$204,823 Land $69,035 Building $135,788
2021			$204,823 Land $69,035 Building $135,788

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2020 · river or lake flooding

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 53% of the US · above 75% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fiber · Fixed Wireless	1,000 / 1,000

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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