441 Lower Ridgeview Rd, Columbus, NC 28722 Property Records

Polk County property record for 441 Lower Ridgeview Rd, Columbus, NC 28722

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,232 sqft · built 1995
Lot Size	11.4 acres (496,584 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Sep 2026)
Tax Bill	$3,117 (2026)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`P75-67`

Property Details

APN / Parcel Number

Primary APN	`P75-67`
Alternative APN	`18382`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,232 sqft Finished Area
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	496,584 sqft (11.4 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	18382
Street Address	441 LOWER RIDGEVIEW RD
City	COLUMBUS
State	NC
Zip	28722-6754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE5
Legal Description	RIDGEVIEW ACRES, LOT # 12, 0R01 RIDGEVIEW ACRES 09
Legal Subdivision	RIDGEVIEW ACRES
Legal Lot Number	12
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1012
Census Tract	920104

Owner

441 Lower Ridgeview Rd is owned and occupied by two individuals who bought it in September 2026.

Source: Polk County records, as of September 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	441 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Warranty Deed, Construction Loan · Construction Mortgage NONE LISTED ON DOCUMENT
Mar 28, 2018	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2026 · Amount on File
Deed Sale	Sep 22, 2026 · Amount on File
Prior Sale	Dec 31, 1997
Deed Book / Page	502 / 1107
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 22, 2026
Property Address	441 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754
Document Number	0502001107
Book / Page	502 / 1107
Instrument Date	Sep 10, 2026
Transaction Type	Construction Loan
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 LOWER RIDGEVIEW RD, COLUMBUS, NC 28722-6754

Mortgage

Document Number	0502001110,
Date	Sep 22, 2026
Book Page	502/1110

Lender

Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Mar 22, 2027

Interest

Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	441 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	0000000432/0000001168
Date	Mar 28, 2018
Book Page	0000000432/0000001168

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 441 Lower Ridgeview Rd was $3,117.

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	$3,117.00	$596,329 (-) Land $130,400 Building $465,929	$596,329 (-) Land $130,400 Building $465,929
2025	$3,117.00	$596,329 Land $130,400 Building $465,929	$596,329 Land $130,400 Building $465,929
2023	$2,979.00	$467,885 Land $109,500 Building $358,385
2021			$467,885 Land $109,500 Building $358,385

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 441 Lower Ridgeview Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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

Wildfire risk around 441 Lower Ridgeview Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of 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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