Polk Homes with HOA

Polk Homes with HOA

Polk County, located in the state of North Carolina, is a picturesque region known for its natural beauty and charming small towns. Nestled in the foothills of the Blue Ridge Mountains, Polk County offers residents a tranquil and scenic environment to call home.

One notable aspect of the real estate market in Polk County is the availability of homes with Homeowners Association (HOA) communities. For those seeking a sense of community and shared amenities, homes with HOAs can be an attractive option.

HOAs are organizations that manage and maintain common areas and amenities within a neighborhood or community. This can include amenities like swimming pools, parks, and community centers. The HOA also enforces rules and regulations to maintain the appearance and value of the properties within the community.

Living in a home with an HOA has its benefits. Residents can enjoy well-maintained common areas and amenities without having to worry about their upkeep. Additionally, HOAs often establish guidelines that help maintain property values, ensuring that the neighborhood remains desirable and attractive.

However, it's important to note that homes with HOAs come with certain responsibilities and fees. Homeowners are typically required to pay monthly or annual dues to cover the costs of maintaining the common areas and amenities. Additionally, residents must adhere to the rules and regulations set forth by the HOA, which can govern aspects such as landscaping, exterior modifications, and noise levels.

For those interested in living in a community with shared amenities and a sense of community, Polk County offers a range of homes with HOAs to suit different preferences and budgets. Whether you're looking for a cozy cottage or a spacious family home, Polk County has options to meet your needs.

Newest Polk Homes with HOA

$190,000
4406591 MLS ⋅ ACTIVE Status
Discover the perfect setting for your dream home on this beautiful 1.79-acre waterfront lot in the desirable Blue Ridge Overlook subdivision at Lake Adger. Nestled among mature hardwoods, this wooded homesite offers a peaceful, private retreat with the natural beauty of the Blue Ridge foothills all around. Enjoy direct waterfront access and the serenity of lake living while taking advantage of the generous acreage to create the custom home you've always envisioned. Whether you're looking for a full-time residence or a weekend escape, this property provides the ideal blend of privacy, nature, and recreation. Horse-friendly with direct access to miles of scenic riding trails, this exceptional community is ideal for equestrian enthusiasts and outdoor lovers alike. Lake Adger, a private 438-acre lake with approximately 14 miles of shoreline, is currently undergoing restoration following the impacts of Hurricane Helene. Once restoration is complete, residents will once again enjoy boating, kayaking, fishing, and all the recreational opportunities that make this community such a sought-after destination. Don't miss this rare opportunity to own a stunning waterfront property where you can enjoy the best of lake living, equestrian amenities, and the beauty of the Blue Ridge foothills—all from your own private retreat.

00 Lake Adger Parkway Unit #60, Mill Spring

Listing courtesy of Main Street Realty Group LLC. tracy@msrghomes.com
$225,000
4409905 MLS ⋅ ACTIVE Status
Remarkable lakefront Lake Adger lot . Private 5.44 acres that is gently sloped and bordered by a good sized creek. This property is tucked in the back of a private cove and there is an existing floating dock in place. There are multiple building site options and the owner previously had the lot perked for a 4 bedroom septic. This is a hard to find gentle sloped lakefront lot. Lake Adger has 14 miles of shoreline and 438 surface acres of water where you can enjoy boating, kayaking, fishing and swimming. The Lake Adger Community is a private planned community with 3250 +/- acres and includes 13 miles of private equestrian and hiking trails. Conveniently located to Asheville and Hendersonville, NC and Greenville and Spartanburg, SC.

Lot #28 Parkway North Road Unit #28, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks. chris.battista@howardhannatate.com
$274,500
2 Beds ⋅ 2 Baths ⋅ 4409753 MLS ⋅ 1,088 SqFt. ⋅ ACTIVE Status
Welcome home to your cozy mountain bungalow. Imagine yourself having your morning coffee with this mountain top view. This spacious condominium boasts cozy touches, built in shelves, farmhouse sink. Ground floor unit. Barn doors at laundry. Wet bar in living room. COMES FULLY FURNISHED EXCEPT FOR A FEW ITEMS LISTED IN AGENT REMARKS.

2881 White Oak Mountain Road Unit #1A, Columbus

Listing courtesy of Goldeneye Realty, LLC. tjones@goldeneyerealty.com
$429,000
2 Beds ⋅ 2 Baths ⋅ 4408765 MLS ⋅ 1,910 SqFt. ⋅ ACTIVE Status
Built in 2020, this spacious two-bedroom home with a bonus room offers comfortable single-level living in the established Shamrock Forest community of Columbus. Inside, the open floor plan is enhanced by 9-foot ceilings, recessed lighting, and a welcoming living room anchored by a gas-log fireplace with a designer stone veneer surround. The well-appointed kitchen features soft-close cabinetry and drawers, granite countertops, stainless steel appliances, and generous workspace for everyday cooking and entertaining. The spacious primary suite includes a walk-in closet and private bath, while the versatile bonus room is ideal for a home office, hobby space, playroom, guest area, or whatever best suits your needs. A circular concrete driveway and two-car garage provide convenience, while the covered front porch and back deck offer inviting spaces to relax and enjoy the surroundings. Tucked within a quiet neighborhood just minutes from downtown Columbus and Tryon, the home also offers convenient access to I-26 and is within easy driving distance of the Tryon International Equestrian Center, Asheville, the Blue Ridge Parkway, and Spartanburg. The seller is motivated and welcomes your offer.

243 Dublin Lane, Columbus

Listing courtesy of Looking Glass Realty, Saluda. ashley@lookingglassrealty.com
$849,000
3 Beds ⋅ 4 Baths ⋅ 4406974 MLS ⋅ 2,812 SqFt. ⋅ ACTIVE Status
A Legacy Mountain Estate Adjacent to Shunkawken Falls on White Oak Mountain in Columbus, NC! ***Some homes offer beautiful views... Few offer a soundtrack!!!*** Some properties are purchased because of the home. Others are purchased because of what can never be recreated. This extraordinary White Oak Mountain estate offers both. For those who understand that true luxury is defined by rarity, this is more than a residence—it is an experience, a legacy, and an irreplaceable mountain sanctuary. Offering three separately deeded parcels, three bedrooms, two full baths, two half baths, and an unmatched setting beside Shunkawken Falls, this remarkable estate combines architectural character with one of Western North Carolina's most captivating natural landscapes. While interiors can always be personalized, you cannot recreate three adjoining parcels on White Oak Mountain with panoramic mountain vistas, a private gated approach, and the privilege of living beside one of Polk County's most treasured waterfalls. Visitors travel this scenic mountain to experience Shunkawken Falls and continue to the iconic Sunset Rock Overlook. Here, breathtaking views and the soothing sounds of cascading water become part of everyday life. There is no need to chase the perfect sunset or search for the best overlook—your front-row seat begins the moment you arrive home. A gated entrance winds through towering hardwoods, dramatic boulders, and striking iron sculptures before revealing sweeping views across Columbus, the foothills, and into Upstate South Carolina. Designed to embrace the landscape, the residence features soaring ceilings, expansive walls of glass, a dramatic spiral staircase, an architectural open elevator, a floor-to-ceiling stone fireplace, and a wraparound deck with sleek glass railings that blur the line between indoor and outdoor living. Morning coffee, evening cocktails, and unforgettable gatherings are elevated by the ever-changing mountain scenery and the peaceful soundtrack of the waterfall below. Three separately deeded parcels provide exceptional privacy, flexibility, and long-term value while offering the rare opportunity to create a true legacy estate. The greatest investment has already been made by nature itself—the land, the elevation, the waterfall, and the views. Although wonderfully secluded, the property is just minutes from Columbus, Tryon, and Landrum, the Tryon International Equestrian Center, FENCE, wineries, golf, hiking, fine dining, and convenient access to Asheville, Greenville, Hendersonville, and Spartanburg. Showings by appointment only. Proof of funds or lender pre-approval required prior to confirming a private tour - call or text with any questions or to set up an appointment!

370 Mountain Side Drive, Columbus

Listing courtesy of Century 21 Mountain Lifestyles. ERIKABRADLEYREALTOR@GMAIL.COM
$69,000
4401409 MLS ⋅ ACTIVE Status
This 3-acre tract would be the perfect setting for your dream basement home with breathtaking mountain views. Located in the prestigious Sanctuary at Tryon community, this property offers the ideal combination of privacy, natural beauty, and convenience. Just minutes from Downtown Columbus, St. Luke's Hospital, and I-26, you'll enjoy easy access to shopping, dining, and everyday amenities while still feeling tucked away in the mountains. According to the seller, a private septic permit has been completed, and the property has successfully perked for a septic system, making it even easier to start planning your dream home. This affordable homesite offers an exceptional opportunity to build with incredible mountain views in one of the area's most desirable communities.

00 Ragans Pointe Pointe Unit #58, Columbus

Listing courtesy of Keller Williams Prestige Properties LLC. michellemanionrealtor@gmail.com
$719,000
3 Beds ⋅ 2 Baths ⋅ 4405734 MLS ⋅ 2,472 SqFt. ⋅ ACTIVE Status
Set on 3.02 private, wooded acres in the desirable Persimmon Hill community, this custom Craftsman offers quality construction, thoughtful updates, and a setting that feels both peaceful and inviting. A welcoming covered front porch with a custom gas carriage light sets the tone before you even step inside. The heart of the home is the vaulted great room where exposed wood beams, a floor to ceiling stacked stone fireplace, and custom built-ins create a warm gathering space. The open kitchen features granite countertops, a large center island, abundant cabinetry, a new induction range, and flows effortlessly into the dining area and screened porch, creating an ideal layout for everyday living and entertaining. The main level offers a spacious primary suite, two additional bedrooms, a full guest bath, an office space/piano nook/flex space, laundry room, and the ease of one level living. Upstairs, a generous bonus room provides flexible space for guests, a media room, home gym, or playroom. Beyond the finishes, this home has been carefully maintained and extensively improved. Recent updates include upgraded electrical throughout with LED lighting, dimmers, smoke and carbon monoxide detectors, a fully encapsulated crawlspace with commercial grade dehumidification, and numerous improvements that provide lasting value and peace of mind for the next owner. An attached two car garage with a separate workshop provides everyday functionality, while the surrounding hardwoods create a beautiful natural backdrop in every season. Quality craftsmanship, meaningful updates, and timeless design make this a property you'll appreciate more with every visit.

240 Persimmon Hill Drive, Columbus

Listing courtesy of Sauvé Collective. nikki@sauvecollective.com
$100,000
4405779 MLS ⋅ ACTIVE Status
Fantastic price for a Riverfront lot in the private, gated community of Green River Highlands! The lot has a gentle grade and approximately 240' of frontage on the Green River. This community has a great rural, country feel yet is located close to highway/interstate access for maximum convenience - whether it's enjoying one of the many local Wineries, golf or tennis at Cleghorn Golf Club, a day trip to Hendersonville, or a night out at The International Equestrian Center! There is so much to do and see, making this a wonderful place to build your full-time or vacation home. Call for details and more specifics.

00 River Crest Parkway Unit #26, Rutherfordton

Listing courtesy of 4 Seasons Homes and Land, Inc. SOLD@4SeasonsHomesAndLand.com
$180,000
4405740 MLS ⋅ ACTIVE Status
Lake Adger lakefront lot situated in the desirable South Cove section of the lake conveniently located to groceries, shopping and nearby interstate access. There's an existing shared driveway (right of way access) from South Cove Rd. along Lake Pointe Lane that goes to the lot and a floating dock ready for your immediate use. This lot has 135 feet of lakefront shoreline and the water at this location is plenty deep for your pontoon or pleasure boat. Lake Adger allows pontoon boats with up to 80 horsepower and pleasure boats with up to a 60 horse power limit. This lot previously perked for a 3 Bedroom septic permit (now expired, but on file). Lake Adger encompasses 14 miles of shoreline and 438 surface acres of water, ideal for boating, kayaking, fishing, and swimming. The Lake Adger Community is a private, planned development covering approximately 3,250 acres, featuring 13 miles of private equestrian and hiking trails. This location is conveniently accessible from Asheville and Hendersonville, NC, as well as Greenville and Spartanburg, SC.

Lot #13 South Cove Road, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks. chris.battista@howardhannatate.com
$299,000
1 Beds ⋅ 2 Baths ⋅ 4405426 MLS ⋅ 1,434 SqFt. ⋅ ACTIVE Status
Looking for a condominium in Tryon with spacious living areas, two full bathrooms, and easy access to downtown? Welcome to 251 Carolina Drive, Unit 10A in One Tryon Place, where comfort, convenience, and low-maintenance living come together in a thoughtfully designed home. Vaulted ceilings create an open, airy feel throughout the living and dining areas, while luxury vinyl plank flooring extends through most of the home, complemented by carpet in the bedroom. Fresh interior paint and updated lighting add a bright, modern touch. Just off the living room, a dedicated office and adjoining flex space with a wall of windows provide abundant natural light and endless possibilities for a home office, reading room, hobby space, or guest overflow. The kitchen is designed for both function and connection, featuring abundant cabinetry, a pantry, durable countertops, and a convenient pass-through to the dining and living areas. A window above the sink overlooks the screened porch, bringing natural light into the space. The range, dishwasher, refrigerator, and microwave are included. The spacious primary suite offers a comfortable retreat with a double closet and private bath featuring a tub/shower combination. A second full bathroom provides added convenience for guests and everyday living. Enjoy the outdoors from the screened porch, an ideal spot for morning coffee or unwinding at the end of the day. An adjoining patio expands the outdoor living area, while the covered carport and additional parking directly in front of the unit make coming and going easy. Located just minutes from downtown Tryon, you'll enjoy convenient access to restaurants, galleries, theaters, Woodland Park, IGA, Highway 176, and a local Pilates studio. Outdoor enthusiasts will appreciate the future Saluda Grade Trail, expected to become one of the area's premier recreational amenities. One Tryon Place offers a convenient, low-maintenance lifestyle with HOA dues of $266 per month. A special assessment of $82.61 per month is currently in place and is anticipated to conclude in early 2027. Served by Polk County Schools, this well-maintained condominium presents an excellent opportunity to enjoy all that Tryon has to offer.

251 Carolina Drive Unit #10A, Tryon

Listing courtesy of New View Realty. Kathy@KathyToomey.com
$1,785,000
5 Beds ⋅ 6 Baths ⋅ 4404993 MLS ⋅ 1,872 SqFt. ⋅ ACTIVE Status
Some properties are built. Others are thoughtfully created. Set on 18.19 acres with direct access to FETA trails, this purposefully designed estate pairs a custom-built residence, beautifully appointed guest house, and exceptional equestrian facilities for those who want to embrace an extraordinary equestrian lifestyle while enjoying the rewards of thoughtfully cultivated country living, all set against long range views of rolling landscape. Every aspect of the property reflects careful planning. The custom-built residence features an 11 kW solar array, a 15 kW Franklin whole-home battery system, and a 7.5 kW backup generator, providing peace of mind in every season. A soaring stone fireplace and vaulted ceilings anchor the great room, where walls of windows frame the surrounding landscape. Walnut milled directly from the property crowns the fireplace mantle and appears throughout the home, a subtle reminder that the craftsmanship extends beyond the walls themselves. Upstairs, the primary suite overlooks the pastures and hills beyond, with a spa-inspired bath finished in natural stone and a walk-in shower designed for unwinding after a day outdoors. The unfinished basement is already equipped with radiant in-slab heat, framed for a future two-bedroom, 1.5-bath expansion with multiple flex spaces, and plans are available for the next owner. The recently completed guest house offers its own well and septic, creating exceptional flexibility for guests, multigenerational living, or a private home office. Designed with horse and rider in mind, the professionally equipped barn features four stalls, each with an attached walk-out paddock, direct track access to pasture, an 80' x 175' arena with GGT footing, a wash stall, tack room, workshop, and laundry, creating an efficient setup that's equally suited for everyday riding and serious training. Beyond the barn, the property embraces a lifestyle that's increasingly difficult to find. Rolling fenced pasture gives way to an established orchard, raised garden beds, herb gardens, and space for small livestock, creating an opportunity to cultivate the land as intentionally as you enjoy it. When the work is done, the setting shifts effortlessly to relaxation. A fiberglass pool with solar thermal preheat, an automatic cover, and a low-chlorine filtration system is complemented by a poolside pergola and outdoor kitchen, creating an inviting space for entertaining family and friends. Just minutes from the heart of shopping in Landrum or Tryon, this is more than an equestrian property. It's an estate thoughtfully designed for generations of memories, where exceptional horse facilities, refined living, and a genuine connection to the land come together in one remarkable offering. For additional photos and floor plans visit the virtual tour.

197 Arlys Lane, Tryon

Listing courtesy of Sauvé Collective. nikki@sauvecollective.com
$595,000
4 Beds ⋅ 3 Baths ⋅ 4404587 MLS ⋅ 1,912 SqFt. ⋅ ACTIVE Status
Enjoy mountain views at home and lake access from your very own deeded boat slip at nearby North Park Marina. Located in the Lake Adger community, 46 Indian Summer Lane offers four bedrooms and two and a half bathrooms. The main level includes the primary bedroom and bathroom, with three additional bedrooms upstairs. A charming covered front porch (complete with a porch swing), large back deck, and patio space provide comfortable outdoor space to enjoy the setting and views. Plenty of room to store your boat in the off-season in the garage which has a covered entrance into the laundry room. Crawl space has been encapsulated and a new private well was added just a couple years ago. The home sits on a usable 2.07-acre corner lot with privacy between neighboring properties. Whether used as a full-time home or a Lake Adger retreat, this property offers access to both the mountains and the lake.

46 Indian Summer Lane, Mill Spring

Listing courtesy of Berkshire Hathaway HomeServices. rosiedugan@bhhslp.com
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