655 S Phillips Rd, Columbus, NC 28722 Property Records

Polk County property record for 655 S Phillips Rd, Columbus, NC 28722

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 2,368 sqft · built 1950
Lot Size	5.91 acres (257,440 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,552 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`P110-37`

Property Details

APN / Parcel Number

Primary APN	`P110-37`
Alternative APN	`15800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,368 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Architectural Style	Rustic
Exterior Material	Logs
Roof Type	Gable
Roof Material	Shingle
Lot Area	257,440 sqft (5.91 acres)
Garage Area	840 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	15800
Street Address	655 S PHILLIPS RD
City	COLUMBUS
State	NC
Zip	28722-5477
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	AR5
Legal Description	600, 600 600 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1011
Census Tract	920103

Owner

Source: Polk County records · APN P110-37

Assessment roll updated September 30, 2025 · Last verified July 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 File
Mailing Address	655 S PHILLIPS RD, COLUMBUS, NC 28722-5477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Dec 28, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 31, 1997
Deed Sale	Dec 31, 1997
Deed Book / Page	200 / 599
Last Transfer Date	Dec 27, 2023
Transfer Doc	00482/1408
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Jul 01, 2026
Property Address	655 S PHILLIPS RD, COLUMBUS, NC 28722-5477
Document Number	0500002088
Book / Page	500 / 2088
Instrument Date	Jun 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 S PHILLIPS RD, COLUMBUS, NC 28722-5477

Mortgage

Document Number	0500002088,
Date	Jul 01, 2026
Book Page	500/2088

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	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Dec 28, 2023
Property Address	655 S PHILLIPS RD, COLUMBUS, NC 28722-5477
Document Number	00482/1408
Book / Page	482 / 1408
Map Reference	FILE A PG 38
Instrument Date	Dec 27, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	655 S PHILLIPS RD, COLUMBUS, NC 28722-5477

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	655 S PHILLIPS RD, COLUMBUS, NC 28722-5477

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,552.00 (+11.73%)	$480,333 (+34.19%) Land $111,105 Building $369,228	$480,333 (+34.19%) Land $111,105 Building $369,228
2023	$2,284.00	$357,947 Land $79,100 Building $278,847
2021			$357,947 Land $79,100 Building $278,847

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 8, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2013 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	1,000 / 1,000
Skyrunner Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 7 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Phillips Rd

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