101 Jackson Ridge Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 101 Jackson Ridge Ln, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,500 (Feb 2024)
Tax Bill	$3,866 (2026)
Deeds & Mortgages	Feb 2024 Sale & Construction Loan Feb 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`P29-530`

Property Details

APN / Parcel Number

Primary APN	`P29-530`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	101 JACKSON RIDGE LN
City	MILL SPRING
State	NC
Zip	28756-0661
Property Category	Other
Property Type	Other > Other Improved
Legal Description	BRIGHT'S CREEK
Legal Subdivision	BRIGHT'S CREEK
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3015
Census Tract	920201

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	128 LARKHAVEN DR, MONTGOMERY, TX 77316-1627
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Warranty Deed, Construction Loan · Construction Mortgage CADENCE BANK NA
Feb 9, 2024	Warranty Deed, Construction Loan · Construction Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2024 · Amount on Record
Deed Sale	Feb 9, 2024 · Amount on Record
Deed Book / Page	483 / 1026
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 9, 2024
Property Address	5 JACKSON RIDGE LN, MILL SPRING, NC 28756-0662
Document Number	00483/1026
Book / Page	483 / 1026
Map Reference	MB G PG 369
Instrument Date	Feb 5, 2024
Transaction Type	Construction Loan
Record Updated	Feb 26, 2024

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 E WESTINGHOUSE BLVD, CHARLOTTE, NC 28273-5801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LARKHAVEN DR, MONTGOMERY, TX 77316-1627

Mortgage

Document Number	0004831029
Date	Feb 9, 2024
Instrument	483/1029

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Margin	3
Max Rate	12.1%

February 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 9, 2024
Property Address	101 JACKSON RIDGE LN, MILL SPRING, NC 28756-0661
Document Number	00483/1026
Book / Page	483 / 1026
Map Reference	MB G PG 369
Instrument Date	Feb 5, 2024
Transaction Type	Construction Loan
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 E WESTINGHOUSE BLVD, CHARLOTTE, NC 28273-5801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LARKHAVEN DR, MONTGOMERY, TX 77316-1627

Mortgage

Document Number	0004831029
Date	Feb 9, 2024
Instrument	483/1029

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.1%

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	$3,866.00	$769,586 (-) Land $52,000 Building $717,586	$769,586 (-) Land $52,000 Building $717,586
2025	$3,866.00	$769,586 Land $52,000 Building $717,586	$769,586 Land $52,000 Building $717,586

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 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BRIGHTS CREEK WATER SYSTEM private · serves 99 people · EPA ID NC1075006
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	9 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum, Verizon, Windstream.

Cell Coverage

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

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