Polk County property record for 121 Rock Ridge Rd, Mill Spring, NC 28756
| Property Type | Other Improved |
|---|---|
| Lot Size | 1.63 acres (71,003 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Feb 2022) |
| Tax Bill | $1,688 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Feb 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | P65-117 |
| Primary APN | P65-117 |
|---|---|
| Alternative APN |
|
| Lot Area | 71,003 sqft (1.63 acres) |
|---|
| Account Number | 32492 |
|---|---|
| Street Address | 121 ROCK RIDGE RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-0659 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | OPEN |
| Legal Description | LOT 3, 0R03 RIDGE VIEW |
| Legal Subdivision | RIDGE VIEW |
| Legal Lot Number | 3 |
| Jurisdiction | POLK NC |
| Township / Civil Division | COOPER GAP |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 920202 |
121 Rock Ridge Rd is owned and occupied by an individual who bought it in February 2022.
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 | Individual Name on File |
|---|---|
| Mailing Address | 121 ROCK RIDGE RD, MILL SPRING, NC 28756-0659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Feb 2, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2022 · Amount on File |
| Deed Sale | Feb 2, 2022 · Amount on File |
| Prior Sale | Mar 8, 2006 · Amount on File |
| Deed Book / Page | 467 / 623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 121 ROCK RIDGE RD, MILL SPRING, NC 28756-0659 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 121 ROCK RIDGE RD, MILL SPRING, NC 28756-0659 |
| Document Number | 00478/2099 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 478/2099 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | ETOWAH, NC 28729 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Feb 2, 2022 |
| Property Address | 121 ROCK RIDGE RD, MILL SPRING, NC 28756-0659 |
| Document Number | 000467/623 |
| Book / Page | 467 / 623 |
| Map Reference | FILE E PG 1307 |
| Instrument Date | Jan 31, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 NORFOLK CT, YORKTOWN HEIGHTS, NY 10598-1038 |
| Name | Verified Name |
|---|---|
| Address | 360 SCHOOL RD E, ASHEVILLE, NC 28803-9622 |
The 2026 property tax bill for 121 Rock Ridge Rd was $1,688.
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 | $1,688.00 | $336,124 (-) Land $28,780 Building $307,344 | $336,124 (-) Land $28,780 Building $307,344 |
| 2025 | $1,688.00 | $336,124 Land $28,780 Building $307,344 | $336,124 Land $28,780 Building $307,344 |
| 2023 | $1,506.00 (+865.38%) | $234,388 (+831.96%) Land $25,150 Building $209,238 | |
| 2022 | $156.00 | $25,150 Land $25,150 | |
| 2021 | $234,388 Land $25,150 Building $209,238 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 Rock Ridge Rd in Zone X, an area of minimal flood risk.
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 risk around 121 Rock Ridge Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 78% 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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