Polk County property record for 1610 Pea Rdg Rd, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,557 sqft · built 1978 |
| Lot Size | 2.14 acres (93,218 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Apr 2007) |
| Tax Bill | $1,180 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P93-56 |
| Primary APN | P93-56 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,557 sqft Finished Area |
| Basement Area | 1,557 sqft |
| Unfinished Basement | 1,557 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick Veneer |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 93,218 sqft (2.14 acres) |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 35538 |
|---|---|
| Street Address | 1610 PEA RIDGE RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-5731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | 2.14 ACRES, 400 400 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 920101 |
1610 Pea Rdg Rd is owned and occupied by two individuals who bought it in April 2007.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1610 PEA RIDGE RD, MILL SPRING, NC 28756-5731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2007 · Amount on File |
| Deed Sale | Apr 24, 2007 · Amount on File |
| Prior Sale | Dec 31, 1997 |
| Deed Book / Page | 353 / 111 |
| Prior Transfer Date | Apr 23, 2007 |
| Prior Transfer Doc | 00353/0111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1610 PEA RIDGE RD, MILL SPRING, NC 28756-5731 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 00450/1615 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 450/1615 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2026 property tax bill for 1610 Pea Rdg Rd was $1,180.
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 | $1,180.00 | $231,368 (-) Land $40,545 Building $190,823 | $231,368 (-) Land $40,545 Building $190,823 |
| 2025 | $1,180.00 | $231,368 Land $40,545 Building $190,823 | $231,368 Land $40,545 Building $190,823 |
| 2023 | $1,152.00 | $180,104 Land $30,700 Building $149,404 | |
| 2021 | $180,104 Land $30,700 Building $149,404 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1610 Pea Rdg Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2015.
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 | 2 in force |
| Nearby Flood Claims | 5 (2015–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 1610 Pea Rdg Rd is moderate, ranking above 56% 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 56% of the US · above 78% 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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