Polk County 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 County Homes with HOA

Green River Farm Lane Unit #2B, Mill Spring

$142,245

4441799 MLS ⋅ ACTIVE Status

Build your dream home on this attractive homesite in Green River Farms, Mill Spring, NC! Tucked away at the quiet end of a cul-de-sac in the desirable Green River Farms community, this cleared lot offers an easy-to-build homesite surrounded by the natural beauty and peaceful setting of Western North Carolina. A small creek along the property boundary adds a special touch of mountain charm, while access to a shared community well provides added convenience for future construction. Ideally located just approximately 5 miles from the world-renowned Tryon International Equestrian Center, this property is perfectly positioned for a primary residence, weekend retreat, or investment.

Green River Farm Lane Unit #2B, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks, Lake Lure. dwain.ammons@allentate.com

$588,000

2 Beds ⋅ 3 Baths ⋅ 4440610 MLS ⋅ 1,690 SqFt. ⋅ ACTIVE Status

Adjoining the protected Green River Gamelands, this high-end luxury home offers a rare blend of refined interior living and effortless outdoor lifestyle. With preserved forest land stretching out beyond every deck and porch, breathtaking views await every moment of the day. From the moment you step inside, the open concept main level draws natural light deep into the home. Expansive casement windows and 7' french doors provide abundant natural light. The kitchen features top-tier stainless steel Kenmore appliances, quartz countertops, and a dry bar with a dedicated wine fridge. The living room anchors the space with a river rock gas log fireplace and french doors that lead out to a wrap-around deck, offering covered retreat and open-air living, with the Gamelands as your seasonal backdrop. Throughout the home, an intentional mix of wood textures adds warmth and character at every turn, layering together to create a tastefully curated and organic interior. Wake up to morning light filtering through the primary bedroom windows, the warmth of red oak hardwood underfoot, and the quiet glow of the fireplace just steps from your bed. French doors open to a private screened sleeping porch where tree canopy views make the outside feel like an extension of the room. The spa-like primary bath features a jetted garden tub beneath a beautiful oversized window, a walk-in rain shower, and heated floors. This is a room you will not want to leave. This is a home that lives as well outside as it does in. Enjoy complete privacy in your wooded paradise, with direct trail access to the Gamelands, fenced area for pets, and low-maintenance yard in desirable Piney Mountain community. This is the perfect mountain getaway or investment vacation rental! 3 previous lots were combined to make up the property. This is a portion of the deed recorded in Polk County Register of deeds (just 2 lots). A third lot is available if the buyers would like 7+ acres.

184 Deep Woods Lane, Saluda

Listing courtesy of Looking Glass Realty, Saluda. amywood@lookingglassrealty.com

$74,000

4440810 MLS ⋅ ACTIVE Status

Create your dream home & enjoy being close to Bright's Creek amenities including the Championship Fazio Designed Golf Course, a beautiful Club House, Equestrian facilities, a fitness center, outdoor pool, a bowling alley, tennis & pickleball courts, a fishing pond & more. This lot is situated on the 17th green & captures the beauty of the surrounding mountains & forests without having to navigate steep elevations. The level front & gentle sloping of the land allows a variety of build & design options to meet your wish list! The adjacent properties include a creek on one side adding to the peaceful sounds of the setting & common area on the other providing a more private setting.

00 Deep Gap Farm Road, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks. lauretta.cook@allentate.com

Lot 56 Hwy 108 None Unit #56, Mill Spring

$470,000

4440260 MLS ⋅ ACTIVE Status

Tryon Equestrian Farms is a 1000-acre subdivision sited on gently rolling pastureland, at the foothills of the Blue Ridge Mountains in HORSE COUNTRY. Come build your new dream home, barn, and riding ring on these gorgeous lots with black rail fencing along the equestrian trails. This is truly a prime location just 10-15 minutes from Tryon International Equestrian Center. TIEC offers unmatched equestrian resources and events. We offer the flexibility to design and build when you're ready, with a 2,000 minimum square footage requirement. Nature and bridle trails are recorded on the plats, throughout the subdivision. Plus, there is a plan for community space to have a hitching post.

Lot 56 Hwy 108 None Unit #56, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks Fletcher. billy.taylor@howardhannatate.com

$1,479,000

4 Beds ⋅ 5 Baths ⋅ 4440721 MLS ⋅ 4,869 SqFt. ⋅ ACTIVE Status

A rare expression of mountain craftsmanship, timeless character, and enduring quality. Perched upon beautiful White Oak Mountain, this extraordinary timber home offers nearly 4,900 square feet of fully furnished, turn-key living, framed by sweeping long-range mountain views. Built with substantial 12-inch solid timber beams, 200-year-old heart pine floors, and three impressive stone fireplaces, this is a home where exceptional materials and thoughtful design create an inviting mountain retreat. A welcoming rocking-chair front porch opens to an expansive foyer, setting the tone for interiors rich in warmth and character. The magnificent great room features soaring cathedral ceilings, exposed wood beams, a stone gas fireplace, and walls of glass capturing the surrounding mountain vistas. The spacious dining area flows into an inviting eat-in kitchen with a large center island, a second stone fireplace, and distinctive hand-crafted Italian brick flooring. The main-level primary suite is a private sanctuary, complete with its own stone fireplace, iron clawfoot soaking tub overlooking the views, beautifully renovated shower and granite vanities. A powder room and walk-in laundry/pantry complete the main level. Outdoor living is equally inviting, with a full-length rear deck ideal for entertaining and stargazing, a lower-level patio, charming gazebo, and generous green space surrounded by natural beauty. Upstairs, a charming loft provides a quiet retreat, while two private guest suites each offer an ensuite bath. Designed for entertaining, the walk-out lower level features a pub-style recreation room with bar and billiards area, a study or art studio, an additional bedroom, and full bath. Ample unfinished space provides exceptional utility, including a second laundry area, freezer, refrigerator, well-equipped tool room, and abundant storage. Exceptional construction and thoughtful improvements provide lasting peace of mind, including a commercial grade generator for primary levels, metal roof, Andersen aluminum-clad hurricane-rated windows, updated rear doors, and water filtration system. Offered truly turn-key, the sale includes nearly all furnishings, antiques, fine art, collectibles, cookware, dishes, and linens. White Oak Mountain residents enjoy beautiful walking trails, three stocked lakes for fishing, a private neighborhood park, community pavilion, and frequent neighborhood socials. An adjacent 1.56-acre parcel is also available for purchase (Parcel #P58 85, Lot #45, Blk A), offering a rare opportunity to expand your mountain retreat. Just a scenic 10-minute drive down the mountain brings you to the charming town of Columbus, with grocery, medical, banking, and county services conveniently accessible. A distinctive mountain property offering exceptional craftsmanship, remarkable space, and a lifestyle that is increasingly difficult to find.

240 Morning Ride Drive, Columbus

Listing courtesy of Coldwell Banker Caine/Williams. ktamburro@cbcaine.com

$1,375,000

3 Beds ⋅ 4 Baths ⋅ 4439411 MLS ⋅ 3,853 SqFt. ⋅ ACTIVE Status

Tucked behind the gates of the prestigious Bright's Creek community, this beautifully appointed home is ideally situated on a peaceful cul-de-sac just minutes from the main entrance and premier amenities. Designed with both comfort and functionality in mind, the thoughtfully crafted open floor plan features a spacious main-level primary suite, offering a private retreat with effortless everyday living. Natural light pours through the expansive living spaces, creating a warm and inviting atmosphere throughout the home. The lower level provides exceptional flexibility with a generous den, two spacious guest bedrooms, & two full baths—perfect for hosting family and friends. Two additional flex rooms offer endless possibilities & the golf cart garage adds everyday convenience. Members(available for purchase) to the Bright's Creek Club enjoy access to an extraordinary mountain lifestyle, including a renowned Tom Fazio golf course, saline pool, multiple dining venues, and scenic hiking trails.

120 Glenn Court, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks. brightscreek.team@allentate.com

782 Front Ridge Circle Unit #58, Rutherfordton

$429,000

3 Beds ⋅ 2 Baths ⋅ 4437578 MLS ⋅ 1,246 SqFt. ⋅ ACTIVE Status

Welcome to 782 Front Ridge Circle, a cozy rustic cabin located in the quiet, gated Green River Highlands community in Polk County. Tucked away in a tranquil mountain setting, this log home offers the perfect blend of scenic privacy, modern connectivity, and central access to the region's best destinations. Perfectly positioned, you are conveniently situated between Asheville and Charlotte, NC and Upstate South Carolina, and minutes from the Tryon International Equestrian Center. Step inside to an expansive great room featuring soaring vaulted ceilings, exposed wood details, and a stone wood-burning fireplace that serves as the heart of the home. Windows flooding the living space with natural light while framing peaceful views of the surrounding woods and local wildlife. Unwind outdoors by front porch sitting and sipping sweet tea. The porch is an ideal spot for morning coffee, evening hot tea, or simply enjoying the quiet surroundings in any weather. Additional property features include an outdoor shed conveying with the lean-to open storage, alongside recent community upgrades featuring fiber optic internet, TV, and phone service through Spectrum. Short-term rentals are permitted, making this an ideal primary residence, weekend mountain getaway, or income-producing investment property. Schedule your showing today!

782 Front Ridge Circle Unit #58, Rutherfordton

Listing courtesy of Keller Williams Mtn Partners, LLC. hollynoe@kw.com

$970,000

4 Beds ⋅ 4 Baths ⋅ 4438061 MLS ⋅ 3,016 SqFt. ⋅ ACTIVE Status

Breathtaking mountain and lake views set the stage for exceptional living at this stunning Lake Adger home. With panoramic scenery from nearly every room, this inviting retreat brings the beauty of its surroundings into everyday life. Completed in 2019, the home pairs modern construction with an inviting setting for mountain-and-lake living. Expansive outdoor living spaces invite you to linger over morning coffee, gather with guests, or simply enjoy the scenery. A screened side porch, covered front porch, and rear deck offer a welcoming choice of gathering spots, while stylish wire-mesh deck railings keep the mountain views unobstructed. The walkout lower level opens to a large patio with additional seating areas and a fenced yard, extending the home's outdoor appeal. Inside, an open-plan great room showcases floor-to-ceiling windows that frame the spectacular views. The modern kitchen blends style and function with granite countertops, stainless steel appliances, and an island offering both seating and storage—an inviting centerpiece for everyday meals and entertaining. The main-level primary bedroom offers mountain views, as do the two guest bedrooms upstairs, giving each of these spaces its own scenic backdrop. The spacious lower level provides even more room to relax and gather, with a family room, dining area, kitchenette, additional bedroom, and full bath. A deeded boat slip at nearby Jackson Cove Marina adds a standout advantage, keeping your boat close and making time on Lake Adger part of the home's appeal. Come explore Lake Adger's 14 miles of shoreline and 438 surface acres of water where you will enjoy boating, kayaking, fishing, and swimming. Conveniently located near Asheville and Hendersonville, NC, and Greenville and Spartanburg, SC, this property combines striking scenery, inviting living spaces, and a wealth of outdoor recreation. Please be sure to check out the video virtual tour for additional details and then schedule your own private showing today!

105 Jackson Cove Parkway, Mill Spring

Listing courtesy of Howard Hanna Beverly-Hanks. chris.battista@howardhannatate.com

346 Front Ridge Circle Unit #65, Rutherfordton

$75,000

4433857 MLS ⋅ ACTIVE Status

Discover the opportunity to build your mountain getaway in Green River Highlands, a beautiful gated community in Polk County, North Carolina, near the Tryon International Equestrian Center. Lot 65 offers 3 acres of land with mountain views, a desirable building site, paved road access, and a peaceful setting surrounded by the natural beauty of the Western North Carolina foothills. This property also includes a 12' x 24' storage building, providing useful space for equipment and outdoor gear. Whether you're planning a full-time residence, second home, or mountain retreat, this property offers the space and privacy to bring your vision to life. The adjoining 3-acre Lot 64 is also available for purchase, creating an excellent opportunity to own approximately 6 contiguous acres for added privacy and flexibility when planning your mountain home. Green River Highlands features a gated entrance and a community riverfront park along the scenic Green River, where residents can enjoy river access, picnic areas, outdoor recreation, and time with family and friends. Conveniently located near US Highway 74 and I-26, the community offers access to shopping, restaurants, wineries, breweries, and Cleghorn Golf & Sports Club. The nearby Tryon International Equestrian Center offers world-class equestrian events, dining, shopping, entertainment, and family activities. Enjoy Lake Lure, Chimney Rock State Park, hiking, fishing, golf, and the outdoor adventures Western North Carolina has to offer. Asheville, Hendersonville, and Greenville-Spartanburg are also within reach. A great opportunity to own a 3-acre mountain homesite with a storage building, Green River access, and the option to purchase additional adjoining acreage in this desirable gated community.

346 Front Ridge Circle Unit #65, Rutherfordton

Listing courtesy of Pinnacle Sothebys International Realty. 828-429-4004

248 Front Ridge Circle Unit #64, Rutherfordton

$39,000

4435877 MLS ⋅ ACTIVE Status

Discover the opportunity to build your mountain getaway in Green River Highlands, a beautiful gated community in Polk County, North Carolina, near the Tryon International Equestrian Center. Lot 64 offers 3 acres of land with mountain views, a desirable building site, paved road access, and a peaceful setting surrounded by the natural beauty of the Western North Carolina foothills. Whether you're planning a full-time residence, second home, or mountain retreat, this property offers the space and privacy to bring your vision to life. **The adjoining 3-acre Lot 65 is also available for purchase, providing a rare opportunity to combine both properties for approximately 6 acres of additional privacy and flexibility when planning your mountain home.** Green River Highlands features a gated entrance and a wonderful community riverfront park along the scenic Green River, where residents can enjoy river access, picnic areas, outdoor recreation, and time with family and friends. Conveniently located near US Highway 74 and I-26, the community offers easy access to shopping, restaurants, wineries, breweries, and Cleghorn Golf & Sports Club. Just a short drive away, the Tryon International Equestrian Center offers world-class equestrian events, dining, shopping, entertainment, and year-round family activities. Enjoy nearby Lake Lure, Chimney Rock State Park, hiking, fishing, golf, and the many outdoor adventures Western North Carolina has to offer. Asheville, Hendersonville, and Greenville-Spartanburg are also within reach. A great opportunity to own a 3-acre mountain homesite in a gated community with Green River access and convenient access to some of the area's best recreation and attractions.

248 Front Ridge Circle Unit #64, Rutherfordton

Listing courtesy of Pinnacle Sothebys International Realty. ken@carolinaland.com

$349,000

4436287 MLS ⋅ ACTIVE Status

Mountain Views, Rolling Pastures & Room for Your Horses and Donkeys! Discover Mountain Meadows, an intimate gated community in the heart of Tryon Horse Country, where mountain views, open pastures, and peaceful country living meet. Designed with equestrians in mind, yet equally appealing to anyone seeking privacy and room to breathe, this thoughtfully planned community offers just seven generously sized homesites of approximately 10 acres each. Lot 1 encompasses 10.97 acres of gently rolling grassland, with sweeping mountain views, lush pasture, and a lovely stand of shade trees—an ideal setting for horses, donkeys, or simply enjoying the countryside. Residents enjoy approximately two miles of private walking and riding trails within the community, with the extensive FETA trail system nearby. A handsome gated entrance limits through traffic and enhances privacy, while paved roads, underground utilities, and fiber-optic internet provide modern convenience in a tranquil rural setting. Whether you envision a beautiful country estate, a small horse farm, or a peaceful retreat with a few chickens roaming the yard, Mountain Meadows offers the freedom to create your own version of country living. While you'll feel wonderfully removed from the bustle of everyday life, Columbus and I-26 are just eight minutes away, with easy access to restaurants, shopping, groceries, and medical services.

62 Mountain Meadows Lane, Tryon

Listing courtesy of Claussen Walters LLC. barbaraclaussen@me.com

$1,195,000

4 Beds ⋅ 4 Baths ⋅ 4436080 MLS ⋅ 2,558 SqFt. ⋅ ACTIVE Status

Derbyshire – The Foothills' Best-Kept Secret! Some homes impress with grandeur; others win your heart with warmth, character, and thoughtful details. This exceptional custom home in Derbyshire offers both. Completed in 2024 and set on 1.86 acres of gently rolling land, the 2,559 sq. ft., 4-bedroom, 3.5-bath residence combines quality craftsmanship with understated elegance. Beautiful hardwood floors, soaring wood-paneled vaulted ceilings, and a handsome wood or natural-gas fireplace create an inviting great room. French doors open to a spacious screened porch overlooking the peaceful grounds, perfect for enjoying nature or entertaining friends. The beautifully appointed kitchen features soft sage cabinetry, stone countertops, a generous island, a walk-in pantry, and premium BlueStar and Asko appliances, including a professional natural-gas range. One of the home's most distinctive spaces is the charming library-style den, featuring rich blue walls, a vaulted wood ceiling, expansive windows, and custom built-in bookshelves. The main-level primary suite enjoys lovely views of the surrounding greenery and offers two walk-in closets and an elegant bath with a freestanding soaking tub, spacious shower, and double vanity. Two additional main-level bedrooms, a generous upstairs bedroom with its own full bath, and a laundry room equipped with Speed Queen appliances provide comfort and flexibility. Beyond the home, Derbyshire offers a hard-to-find lifestyle. This intimate gated community centers on a beautiful 33-acre, spring-fed lake, inviting residents to kayak, swim, fish, and take peaceful walks along scenic trails. Equestrian amenities include community stables, fenced paddocks, a riding arena, and access to the extensive CETA and FETA trail systems. Even non-riders will appreciate the pastoral beauty and peaceful atmosphere that make this community so special. Fiber-optic internet, natural gas, municipal water, and convenient proximity to Tryon, Columbus, Landrum, and the Tryon International Equestrian Center complete the picture. A beautiful home, a peaceful setting, and a community where the lifestyle is every bit as appealing as the property itself.

67 Taddington Circle, Columbus

Listing courtesy of Claussen Walters LLC. barbaraclaussen@me.com

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Polk County Homes with HOA

Newest Polk County Homes with HOA

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