540 Walker St, Columbus, NC 28722 Property Records

Polk County property record for 540 Walker St, Columbus, NC 28722

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 1996
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jun 2021)
Tax Bill	$2,191 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C8-D17`

Property Details

APN / Parcel Number

Primary APN	`C8-D17`
Alternative APN	`42164`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,188 sqft Finished Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	42164
Street Address	540 WALKER ST
City	COLUMBUS
State	NC
Zip	28722-8422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	0.48 ACRE, 0C57 COLUMBUS RES AREA 57
Legal Subdivision	COLUMBUS RES AREA 51
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2061
Census Tract	920104

Owner

Source: Polk County records, as of August 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	540 WALKER ST, COLUMBUS, NC 28722-8422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Jul 6, 2007 · Amount on Record
Deed Book / Page	460 / 1827
Prior Transfer Date	Apr 12, 2013
Prior Transfer Doc	399/1853
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Jul 30, 2026
Property Address	540 WALKER ST, COLUMBUS, NC 28722-8422
Document Number	0501000868
Book / Page	501 / 868
Instrument Date	Jul 24, 2026
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0501000868,
Date	Jul 30, 2026
Book Page	501/868

Lender

Name	HOMETRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 25, 2051

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 24, 2021
Property Address	540 WALKER ST, COLUMBUS, NC 28722-8422
Document Number	460/1827
Book / Page	460 / 1827
Instrument Date	Jun 23, 2021
Transaction Type	Transfer
Record Updated	Jul 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 DUCK POND LN, 270, COLUMBUS, NC 28722-4428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 WALKER ST, COLUMBUS, NC 28722-8422

Mortgage

Document Number	4601830
Date	Jun 24, 2021
Instrument	460/1830

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Columbus Town
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,191.00 (+14.83%)	$232,439 (+28.74%) Land $26,400 Building $206,039	$232,439 (+28.74%) Land $26,400 Building $206,039
2023	$1,908.00	$180,553 Land $26,400 Building $154,153
2021			$180,553 Land $26,400 Building $154,153

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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2016 · rainfall accumulation

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF COLUMBUS serves 2,489 people · EPA ID NC0175015
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	134 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250

May also be available: Pangaea Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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