Polk County property record for 145 Silver Spur Ln, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,025 sqft · built 1975 |
| Lot Size | 1.96 acres (85,378 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,145 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P53-22 |
| Primary APN | P53-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,025 sqft Finished Area |
| 1st Floor Area | 480 sqft |
| Basement Area | 1,025 sqft |
| Unfinished Basement | 1,025 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 85,378 sqft (1.96 acres) |
| Deck Area | Deck Area |
| Account Number | 8150 |
|---|---|
| Street Address | 145 SILVER SPUR LN |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-3612 |
| 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 | 3029 |
| Census Tract | 920201 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 145 SILVER SPUR LN, MILL SPRING, NC 28756-3612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP |
| Mar 23, 2018 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 192 / 1486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 145 SILVER SPUR LN, MILL SPRING, NC 28756-3612 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 456/2149 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 456/2149 |
| Name | SOFI LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 145 SILVER SPUR LN, MILL SPRING, NC 28756-3612 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000000432/0000000933 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 0000000432/0000000933 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.3% |
| Type Change Date | Mar 1, 2023 |
| Index | Other |
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 | $1,145.00 | $228,081 (-) Land $33,880 Building $194,201 | $228,081 (-) Land $33,880 Building $194,201 |
| 2025 | $1,145.00 (+21.29%) | $228,081 (+55.3%) Land $33,880 Building $194,201 | $228,081 (+55.3%) Land $33,880 Building $194,201 |
| 2023 | $944.00 | $146,867 Land $24,800 Building $122,067 | |
| 2021 | $146,867 Land $24,800 Building $122,067 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 11 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 |
4G LTE (outdoors only), no 5G reported
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