Polk County property record for 128 Flat Branch Trl, Mill Spring, NC 28756 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,738 sqft Finished Area |
| Lot Size | 57,064 sqft (1.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $239,000 (2018) |
| Tax Bill | $2,095.00 (2025) |
| Primary APN | P52-174 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,738 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Foundation Type | Retaining Wall Foundation |
| Roof Material | Shingle Roof |
| Lot Area | 57,064 sqft (1.3 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 56417 |
|---|---|
| Street Address | 128 FLAT BRANCH TRL |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-4758 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT #5, PHASE II, 0H15 HEMLOCK CROSSING |
| Legal Subdivision | HEMLOCK CROSSING |
| Legal Phase | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK NC |
| Minor Civil Division | COOPER GAP |
| Census Blockgroup | 3 |
| Census Block | 3029 |
| Census Tract | 920201 |
Source: Polk County records · APN P52-174
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 128 FLAT BRANCH TRL, MILL SPRING, NC 28756-4758 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SOUTHERN FIRST BANK NA |
| Oct 05, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 05, 2018 · Amount on Record |
| Deed Sale | Oct 05, 2018 · Amount on Record |
| Prior Sale | Feb 20, 2012 · Amount on Record |
| Deed Doc Number | 0004361275 |
| Deed Book / Page | 436 / 1275 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 128 FLAT BRANCH TRL, MILL SPRING, NC 28756-4758 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 456/1618 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 456/1618 |
| Name | SOUTHERN FIRST BANK NA |
|---|---|
| Type | Bank |
| Address | CAYCE, SC 29033 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Oct 05, 2018 |
| Property Address | 128 FLAT BRANCH TRL, MILL SPRING, NC 28756-4758 |
| Document Number | 00436/1275 |
| Book / Page | 436 / 1275 |
| Instrument Date | Oct 01, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 FLAT BRANCH TRL, MILL SPRING, NC 28756-4758 |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,095.00 (+14.86%) | $417,177 (+46.97%) Land $23,860 Building $393,317 | $417,177 (+46.97%) Land $23,860 Building $393,317 |
| 2023 | $1,824.00 | $283,859 Land $21,550 Building $262,309 | |
| 2021 | $283,859 Land $21,550 Building $262,309 |
128 Flat Branch Trl is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Polk County (37149C), updated July 8, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 57th percentile of exposed land nationally · 79th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 699 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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