10 Chestertown Dr, Mill Spring, NC 28756 Property Records

Polk County property record for 10 Chestertown Dr, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,940 sqft · built 2006
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Trust Names on Record
Last Sale	$850,000 (Jul 2021)
Tax Bill	$5,440 (2026)
Deeds & Mortgages	Oct 2017 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P29-97`

Property Details

APN / Parcel Number

Primary APN	`P29-97`
Alternative APN	`33857`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Total Rooms	10 Rooms
Building Area	3,940 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Material	Wood Shingle
Lot Area	27,443 sqft (0.63 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	33857
Street Address	10 CHESTERTOWN DR
City	MILL SPRING
State	NC
Zip	28756-0629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT 93, PHASE 1 - MAP 3A, 0B01 BRIGHT'S CREEK
Legal Subdivision	BRIGHT'S CREEK
Legal Phase	1
Legal Lot Number	93
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3042
Census Tract	920201

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on Record
Mailing Address	10 CHESTERTOWN DR, MILL SPRING, NC 28756-0629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Mar 15, 2018	Deed of Trust, Mortgage QUEENER M HUGH TR
Dec 4, 2017	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Jul 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Jan 5, 2006 · Amount on Record
Deed Book / Page	461 / 1340
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	10 CHESTERTOWN DR, MILL SPRING, NC 28756-0629
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000429/940
Date	Oct 12, 2017
Book Page	429/940
Instrument	004665920019

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	10 CHESTERTOWN DR, MILL SPRING, NC 28756-0629
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000432/0000000432
Date	Mar 15, 2018
Book Page	0000000432/0000000432
Instrument	004689430012

Lender

Name	QUEENER M HUGH TR

Agreement

Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	10 CHESTERTOWN DR, MILL SPRING, NC 28756-0629
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000430/671
Date	Dec 4, 2017
Book Page	430/671
Instrument	004671830007

Lender

Name	PINNACLE BANK
Type	Bank
Address	THOMASVILLE, NC 27361

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 23, 2021
Property Address	10 CHESTERTOWN DR, MILL SPRING, NC 28756-0629
Document Number	00461/1340
Book / Page	461 / 1340
Map Reference	FILE E PG 1223
Instrument Date	Jul 20, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Tax	$1,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 SANDPIPER WAY, 214, GREENVILLE, SC 29605-5301

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	89 MOUNTAIN PKWY, MILL SPRING, NC 28756-0285

Tax Assessment & Valuation

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	$5,440.00	$1,082,840 (-) Land $52,000 Building $1,030,840	$1,082,840 (-) Land $52,000 Building $1,030,840
2025	$5,440.00 (+63.31%)	$1,082,840 (+108.91%) Land $52,000 Building $1,030,840	$1,082,840 (+108.91%) Land $52,000 Building $1,030,840
2023	$3,331.00	$518,319 Land $36,250 Building $482,069
2021			$518,319 Land $36,250 Building $482,069

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	1 in force

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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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