Polk County property record for 1177 Pea Rdg Rd, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,451 sqft · built 1981 |
| Lot Size | 6.44 acres (280,526 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,935 (2026) |
| Deeds & Mortgages | Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | P93-48 |
| Primary APN | P93-48 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,451 sqft Finished Area |
| Basement Area | 1,036 sqft |
| Unfinished Basement | 1,036 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 280,526 sqft (6.44 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 640 sqft |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 12433 |
|---|---|
| Street Address | 1177 PEA RIDGE RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-5734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | 400, 400 400 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 920202 |
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 | 1177 PEA RIDGE RD, MILL SPRING, NC 28756-5734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 176 / 1654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1177 PEA RIDGE RD, MILL SPRING, NC 28756-5734 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000430/471 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 430/471 |
| Instrument | 004671000007 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,935.00 (-6.48%) | $379,120 (-6.49%) Land $80,320 Building $298,800 | $379,120 (-6.49%) Land $80,320 Building $298,800 |
| 2025 | $2,069.00 (+31.2%) | $405,422 (+64.4%) Land $90,695 Building $314,727 | $405,422 (+64.4%) Land $90,695 Building $314,727 |
| 2023 | $1,577.00 | $246,608 Land $62,200 Building $184,408 | |
| 2021 | $246,608 Land $62,200 Building $184,408 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 8, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% 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.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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