123 S Cove Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 123 S Cove Rd, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Lot Size	2.06 acres (89,734 sqft)
Owner	Individual Name on File
Last Sale	$17,500 (Dec 2020)
Tax Bill	$2,044 (2026)
Deeds & Mortgages	Jun 2022 Construction Loan Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`P55-292`

Property Details

APN / Parcel Number

Primary APN	`P55-292`
Alternative APN	`33136`

Exterior

Lot Area	89,734 sqft (2.06 acres)

Location & Zoning

Account Number	33136
Street Address	123 S COVE RD
City	MILL SPRING
State	NC
Zip	28756-0669
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	OPEN
Legal Description	LOT #31, LAKE ADGER, 0S06 SOUTH POINTE 09
Legal Subdivision	SOUTH POINTE
Legal Lot Number	31
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
Census Tract	920201

Owner

123 S Cove Rd is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	123 S COVE RD, MILL SPRING, NC 28756-0669
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Construction Mortgage DOLLAR BANK FSB
Dec 22, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on File
Deed Sale	Dec 22, 2020 · Amount on File
Prior Sale	May 16, 2005 · Amount on File
Deed Book / Page	455 / 200
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	123 S COVE RD, MILL SPRING, NC 28756-0669
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 LAKE ADGER PKWY, MILL SPRING, NC 28756-0196

Mortgage

Document Number	00470/1338
Date	Jun 7, 2022
Book Page	470/1338

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 22, 2020
Property Address	123 S COVE RD, MILL SPRING, NC 28756-0669
Document Number	000455/200
Book / Page	455 / 200
Map Reference	FILE F PG 1597
Instrument Date	Dec 18, 2020
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 GREENVIEW CIR, SAVANNAH, GA 31405-1070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 S COVE RD, MILL SPRING, NC 28756-8760

Tax Assessment & Valuation

The 2026 property tax bill for 123 S Cove Rd was $2,044.

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	$2,044.00	$400,594 (-) Land $34,760 Building $365,834	$400,594 (-) Land $34,760 Building $365,834
2025	$2,044.00	$400,594 Land $34,760 Building $365,834	$400,594 Land $34,760 Building $365,834
2023	$694.00 (+385.31%)	$108,573 (+345.34%) Land $25,712 Building $82,861
2022	$143.00	$24,380 Land $24,380
2021			$108,573 Land $25,712 Building $82,861

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 123 S Cove Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Wildfire risk around 123 S Cove Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of 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	0.1% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

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

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