148 Indian Summer Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 148 Indian Summer Ln, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Nov 2022)
Tax Bill	$4,503 (2026)
Deeds & Mortgages	Nov 2022 Sale Aug 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P54-113`

Property Details

APN / Parcel Number

Primary APN	`P54-113`
Alternative APN	`28975`

Exterior

Lot Area	54,014 sqft (1.24 acres)

Location & Zoning

Account Number	28975
Street Address	148 INDIAN SUMMER LN
City	MILL SPRING
State	NC
Zip	28756-4813
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	OPEN
Legal Description	LOT #3 SECT G-3, LAKE ADGER, 0N02 NORTH PARK 09
Legal Subdivision	NORTH PARK
Legal Lot Number	3
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3037
Census Tract	920201

Owner

Source: Polk County records, as of September 28, 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 File
Mailing Address	7015 ENGLEHARDT DR, RALEIGH, NC 27617-7725
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Warranty Deed, Transfer
Aug 31, 2021	Intrafamily Transfer, Transfer · Construction Mortgage HOMETRUST BANK
Nov 8, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Nov 8, 2019 · Amount on File
Deed Book / Page	474 / 541
Prior Transfer Date	Aug 31, 2021
Prior Transfer Doc	0462001748
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 4, 2022
Property Address	148 INDIAN SUMMER LN, MILL SPRING, NC 28756-4813
Document Number	000474/541
Book / Page	474 / 541
Map Reference	FILE E PG 64
Instrument Date	Nov 3, 2022
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	682 BETHANY CHURCH RD, FOREST CITY, NC 28043-8104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7015 ENGLEHARDT DR, RALEIGH, NC 27617-7725

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Aug 31, 2021
Property Address	148 INDIAN SUMMER LN, MILL SPRING, NC 28756-4813
Document Number	00462/1748
Book / Page	462 / 1748
Instrument Date	Aug 31, 2021
Transaction Type	Transfer
Record Updated	Nov 27, 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	Joint Tenants with Right of Survivorship
Address	682 BETHANY CHURCH RD, FOREST CITY, NC 28043-8104

Mortgage

Document Number	0004621753
Date	Aug 31, 2021
Instrument	462/1753

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.87%
Index	Other
Margin	3
Max Rate	8.87%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 8, 2019
Property Address	148 INDIAN SUMMER LN, MILL SPRING, NC 28756-4813
Document Number	00444/1118
Book / Page	444 / 1118
Instrument Date	Nov 8, 2019
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 JOHN SMITH RD, MILL SPRING, NC 28756
Investor	Possibly a Property Investor

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	$4,503.00	$896,343 (-) Land $175,000 Building $721,343	$896,343 (-) Land $175,000 Building $721,343
2025	$4,503.00 (+36.83%)	$896,343 (+75.05%) Land $175,000 Building $721,343	$896,343 (+75.05%) Land $175,000 Building $721,343
2023	$3,291.00 (+133.57%)	$512,046 (+126.2%) Land $100,000 Building $412,046
2022	$1,409.00	$226,364 Land $100,000 Building $126,364
2021			$512,046 Land $100,000 Building $412,046

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 20 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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