1434 Lake Adger Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 1434 Lake Adger Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,060 sqft · built 1945
Lot Size	7.76 acres (338,026 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Sep 2026)
Tax Bill	$1,346 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P40-6`

Property Details

APN / Parcel Number

Primary APN	`P40-6`
Alternative APN	`57471`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,060 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Other
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	338,026 sqft (7.76 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57471
Street Address	1434 LAKE ADGER RD
City	MILL SPRING
State	NC
Zip	28756-5638
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	3
Census Block	3004
Census Tract	920201

Owner

Source: Polk County records, as of October 9, 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 Record
Mailing Address	1434 LAKE ADGER RD, MILL SPRING, NC 28756-5638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORPORATION
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK
Oct 21, 2019	Warranty Deed, Transfer · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Jun 4, 2021 · Amount on Record
Deed Document Number	2026
Deed Book / Page	502 / 1246
Prior Transfer Date	Sep 22, 2007
Prior Transfer Doc	00367/1154
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 24, 2026
Property Address	1434 LAKE ADGER RD, MILL SPRING, NC 28756-5638
Document Number	0502001246
Book / Page	502 / 1246
Instrument Date	Sep 16, 2026
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108,070.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1434 LAKE ADGER RD, MILL SPRING, NC 28756-5638

Mortgage

Document Number	0502001249,
Date	Sep 24, 2026
Book Page	502/1249

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 4, 2021
Property Address	1434 LAKE ADGER RD, MILL SPRING, NC 28756-5638
Document Number	460/147
Book / Page	460 / 147
Map Reference	FILE B PG 823
Instrument Date	Jun 3, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$546.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3811 LANDRUM RD, 3811, COLUMBUS, NC 28722-5421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1434 LAKE ADGER RD, MILL SPRING, NC 28756-5638

Mortgage

Document Number	460150
Date	Jun 4, 2021
Instrument	460/150

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 21, 2019
Property Address	1434 LAKE ADGER RD, MILL SPRING, NC 28756-5638
Document Number	00443/2425
Book / Page	443 / 2425
Instrument Date	Oct 17, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 LANDRUM RD, COLUMBUS, NC 28722-5421
Investor	Possibly a Property Investor

Mortgage

Document Number	00443/2428
Date	Oct 21, 2019
Book Page	443/2428

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

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	$1,346.00	$268,025 (-) Land $100,030 Building $167,995	$268,025 (-) Land $100,030 Building $167,995
2025	$1,346.00 (+77.81%)	$268,025 (+127.35%) Land $100,030 Building $167,995	$268,025 (+127.35%) Land $100,030 Building $167,995
2023	$757.00	$117,892 Land $63,800 Building $54,092
2021			$117,892 Land $63,800 Building $54,092

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 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: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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