Polk County property record for 161 Cold Springs Dr, Mill Spring, NC 28756
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 2017 |
| Lot Size | 0.773 acres (33,672 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $7,000 (Nov 2017) |
| Tax Bill | $703 (2026) |
| Deeds & Mortgages | Sep 2025 Construction Loan Nov 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | P42-47 |
| Primary APN | P42-47 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,404 sqft Finished Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 33,672 sqft (0.773 acres) |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 55509 |
|---|---|
| Street Address | 161 COLD SPRINGS DR |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-9668 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | OPEN |
| Legal Description | LOT 28 SECTION A, 0L01 SILVER CREEK COMMUNITY |
| Legal Subdivision | SILVER CREEK COMMUNITY |
| Legal Lot Number | 28 |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 920201 |
161 Cold Springs Dr is owned and occupied by two individuals who bought it in November 2017.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 161 COLD SPRINGS DR, MILL SPRING, NC 28756-9668 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Construction Mortgage GUARANTEED RATE INC |
| Nov 16, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2017 · Amount on File |
| Deed Sale | Nov 16, 2017 · Amount on File |
| Prior Sale | Nov 27, 2002 · Amount on File |
| Deed Book / Page | 429 / 2421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 161 COLD SPRINGS DR, MILL SPRING, NC 28756-9668 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 161 COLD SPRINGS DR, MILL SPRING, NC 28756-9668 |
| Document Number | 00494/1840 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 494/1840 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 367 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Nov 16, 2017 |
| Property Address | 161 COLD SPRINGS DR, MILL SPRING, NC 28756-9668 |
| Document Number | 00429/2421 |
| Book / Page | 429 / 2421 |
| Instrument Date | Nov 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $14.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4318 OLD MOBILE AVE, 4318, PASCAGOULA, MS 39581-4417 |
| Name | Verified Name |
|---|---|
| Address | 741 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8776 |
The 2026 property tax bill for 161 Cold Springs Dr was $703.
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 | $703.00 | $137,864 (-) Land $11,595 Building $126,269 | $137,864 (-) Land $11,595 Building $126,269 |
| 2025 | $703.00 | $137,864 Land $11,595 Building $126,269 | $137,864 Land $11,595 Building $126,269 |
| 2023 | $638.00 | $99,757 Land $6,184 Building $93,573 | |
| 2021 | $99,757 Land $6,184 Building $93,573 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 161 Cold Springs Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 161 Cold Springs Dr is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% 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.
Source: FCC Broadband Data Collection, based on 29 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.
5G (outdoors only) and 4G LTE
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