645 Bent Oak Dr, Columbus, NC 28722 Property Records

Polk County property record for 645 Bent Oak Dr, Columbus, NC 28722

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,280 sqft · built 1999
Lot Size	4.63 acres (201,683 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Sep 2020)
Tax Bill	$5,304 (2026)
Deeds & Mortgages	May 2023 Transfer Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P74-164`

Property Details

APN / Parcel Number

Primary APN	`P74-164`
Alternative APN	`55620`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	7 Rooms
Building Area	2,280 sqft Finished Area
Basement Area	1,021 sqft
Unfinished Basement	1,021 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	201,683 sqft (4.63 acres)
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	55620
Street Address	645 BENT OAK DR
City	COLUMBUS
State	NC
Zip	28722-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT #6, SEC 3, 0S08 STONEY BROOK ESTATES 09
Legal Subdivision	STONEY BROOK ESTATES
Legal Lot Number	6
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1014
Census Tract	920104

Owner

645 Bent Oak Dr is owned and occupied by two individuals who acquired it in May 2023.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510
Occupancy	Owner Occupied
Owner Type	Individual

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
May 8, 2023	Intrafamily Transfer, Transfer
Sep 1, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB
Dec 22, 2017	Warranty Deed, Transfer · Conventional Mortgage BOFI FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on File
Deed Sale	Sep 1, 2020 · Amount on File
Prior Sale	Dec 22, 2017 · Amount on File
Deed Book / Page	451 / 1455
Last Transfer Date	May 8, 2023
Transfer Doc	00477/2466
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	May 8, 2023
Property Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510
Document Number	00477/2466
Book / Page	477 / 2466
Instrument Date	May 8, 2023
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 1, 2020
Property Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510
Document Number	00451/1455
Book / Page	451 / 1455
Map Reference	FILE B PG 152
Instrument Date	Aug 17, 2020
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 OAKWOOD LN, COLUMBUS, NC 28722-6738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510
Investor	Possibly a Property Investor

Mortgage

Document Number	0004511458
Date	Sep 1, 2020
Instrument	451/1458

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 22, 2017
Property Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510
Document Number	00430/1765
Book / Page	430 / 1765
Instrument Date	Dec 20, 2017
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BENT OAK DR, COLUMBUS, NC 28722-4510

Mortgage

Document Number	00430/1768
Date	Dec 22, 2017
Book Page	430/1768

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 645 Bent Oak Dr was $5,304.

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	$5,304.00	$1,014,739 (-) Land $160,100 Building $854,639	$1,014,739 (-) Land $160,100 Building $854,639
2025	$5,304.00	$1,014,739 Land $160,100 Building $854,639	$1,014,739 Land $160,100 Building $854,639
2023	$4,528.00	$711,136 Land $127,701 Building $583,435
2021			$711,136 Land $127,701 Building $583,435

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

Flood

FEMA maps place 645 Bent Oak Dr 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 645 Bent Oak Dr is moderate, ranking above 50% 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 50% of the US · above 71% 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 16 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: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bent Oak Dr

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