1261 Rock Spring Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 1261 Rock Spring Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,816 sqft · built 1940
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Trust Names on File
Last Sale	$200,000 (Sep 2020)
Tax Bill	$1,537 (2026)
Deeds & Mortgages	Feb 2021 Transfer Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P78-3`

Property Details

APN / Parcel Number

Primary APN	`P78-3`
Alternative APN	`37696`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,816 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Metal
Lot Area	46,174 sqft (1.06 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	37696
Street Address	1261 ROCK SPRING RD
City	MILL SPRING
State	NC
Zip	28756-6751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	500, 500 500 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	2
Census Block	2017
Census Tract	920202

Owner

1261 Rock Spring Rd is held in a trust since September 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	358 GRINGLEY HILL RD, FORT MILL, SC 29708-6944
Owner Type	Individual
Vesting	Trust

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
Feb 24, 2021	Intrafamily Transfer, Transfer
Sep 3, 2020	Warranty Deed, Transfer · Conventional Mortgage LENDUS LLC
May 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2020 · Amount on File
Deed Sale	Sep 3, 2020 · Amount on File
Prior Sale	May 14, 2009 · Amount on File
Deed Book / Page	451 / 1611
Prior Transfer Date	Oct 27, 2003
Prior Transfer Doc	0306001677
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Feb 24, 2021
Property Address	1261 ROCK SPRING RD, MILL SPRING, NC 28756-6751
Document Number	00456/2044
Book / Page	456 / 2044
Map Reference	FILE F PG 1450
Instrument Date	Feb 23, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	358 GRINGLEY HILL RD, FORT MILL, SC 29708-6944

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 3, 2020
Property Address	1261 ROCK SPRING RD, MILL SPRING, NC 28756-6751
Document Number	00451/1611
Book / Page	451 / 1611
Map Reference	FILE F PG 1450
Instrument Date	Sep 2, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1219 ROCK SPRING RD, 1219, MILL SPRING, NC 28756-6751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 GRINGLEY HILL RD, FORT MILL, SC 29708-6944

Mortgage

Document Number	0004511614
Date	Sep 3, 2020
Instrument	451/1614

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1261 ROCK SPRING RD, MILL SPRING, NC 28756-6751
Transaction Type	Mortgage
Record Updated	Jun 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440/1007
Date	May 13, 2019
Book Page	440/1007

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 1261 Rock Spring Rd was $1,537.

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	$1,537.00	$306,114 (-) Land $25,555 Building $280,559	$306,114 (-) Land $25,555 Building $280,559
2025	$1,537.00	$306,114 Land $25,555 Building $280,559	$306,114 Land $25,555 Building $280,559
2023	$1,213.00	$188,809 Land $20,300 Building $168,509
2021			$188,809 Land $20,300 Building $168,509

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

Flood

FEMA maps place 1261 Rock Spring 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

Wildfire risk around 1261 Rock Spring Rd is moderate, ranking above 59% 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 59% of the US · above 82% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Skyrunner.

Cell Coverage

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

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