440 Lower Ridgeview Rd, Columbus, NC 28722 Property Records

Polk County property record for 440 Lower Ridgeview Rd, Columbus, NC 28722

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,546 sqft · built 1978
Lot Size	5.75 acres (250,470 sqft)
Owner	2 Trust Names on Record
Last Sale	$350,000 (Jul 2018)
Tax Bill	$2,493 (2026)
Deeds & Mortgages	Oct 2025 Sale Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P75-68`

Property Details

APN / Parcel Number

Primary APN	`P75-68`
Alternative APN	`56219`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,546 sqft Finished Area
Basement Area	510 sqft
Unfinished Basement	510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	250,470 sqft (5.75 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56219
Street Address	440 LOWER RIDGEVIEW RD
City	COLUMBUS
State	NC
Zip	28722-6754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	RIDGEVIEW ACRES, LOT # 13, 0R01 RIDGEVIEW ACRES 09
Legal Subdivision	RIDGEVIEW ACRES
Legal Lot Number	13
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1012
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	2 Trust Names on Record
Mailing Address	29248 WILDLIFE LN, BROOKSVILLE, FL 34602-7582
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Warranty Deed, Transfer
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 30, 2018	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jul 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on Record
Deed Sale	Jul 30, 2018 · Amount on Record
Prior Sale	Jan 25, 2008 · Amount on Record
Deed Book / Page	434 / 2280
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 31, 2025
Property Address	440 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754
Document Number	000495/975
Book / Page	495 / 975
Map Reference	MB 434 PG 2280-2283
Instrument Date	Oct 20, 2025
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1453, COLUMBUS, NC 28722-1453

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	440 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	TIER 1 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00470/1184
Date	Jun 6, 2022
Book Page	470/1184

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jul 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	440 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000434/0000002284
Date	Jul 30, 2018
Book Page	0000000434/0000002284

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 30, 2018
Property Address	440 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754
Document Number	00434/2280
Book / Page	434 / 2280
Instrument Date	Jul 17, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23318, LUTZ, FL 33549

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	$2,493.00	$476,961 (-) Land $115,875 Building $361,086	$476,961 (-) Land $115,875 Building $361,086
2025	$2,493.00 (+4.84%)	$476,961 (+27.7%) Land $115,875 Building $361,086	$476,961 (+27.7%) Land $115,875 Building $361,086
2023	$2,378.00	$373,492 Land $91,125 Building $282,367
2021			$373,492 Land $91,125 Building $282,367

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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fixed Wireless	500 / 250
Windstream DSL	50 / 3

May also be available: AT&T, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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