1117 Ponder Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 1117 Ponder Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,152 sqft · built 2010
Lot Size	3.22 acres (140,263 sqft)
Owner	Individual Name on Record
Last Sale	$267,000 (Oct 2020)
Tax Bill	$1,820 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P104-31`

Property Details

APN / Parcel Number

Primary APN	`P104-31`
Alternative APN	`29475`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,152 sqft Finished Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	140,263 sqft (3.22 acres)
Lot Dimensions	14 ft deep x 68 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	29475
Street Address	1117 PONDER RD
City	MILL SPRING
State	NC
Zip	28756-4788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	9.18 AC, 0000 68 X 14, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Legal Tract	1
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1016
Census Tract	920202

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	Individual Name on Record
Mailing Address	1117 PONDER RD, MILL SPRING, NC 28756-4788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2020 · Amount on Record
Deed Sale	Oct 12, 2020 · Amount on Record
Prior Sale	Oct 19, 2006 · Amount on Record
Deed Book / Page	452 / 1817
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 12, 2020
Property Address	1117 PONDER RD, MILL SPRING, NC 28756-4788
Document Number	00452/1817
Book / Page	452 / 1817
Map Reference	FILE F PG 1546
Instrument Date	Oct 9, 2020
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$534.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1097 PONDER RD, MILL SPRING, NC 28756-5702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1117 PONDER RD, MILL SPRING, NC 28756-4788

Mortgage

Document Number	0004521820
Date	Oct 12, 2020
Instrument	452/1820

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$1,820.00	$356,773 (-) Land $50,535 Building $306,238	$356,773 (-) Land $50,535 Building $306,238
2025	$1,820.00 (+7.37%)	$356,773 (+34.64%) Land $50,535 Building $306,238	$356,773 (+34.64%) Land $50,535 Building $306,238
2023	$1,695.00	$264,975 Land $36,100 Building $228,875
2021			$264,975 Land $36,100 Building $228,875

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 71% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ponder Rd

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