1634 Lake Adger Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 1634 Lake Adger Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1948
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Nov 2022)
Tax Bill	$809 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2018 Refinance
Flood Zone	Zone X (minimal risk)
APN	`P40-7`

Property Details

APN / Parcel Number

Primary APN	`P40-7`
Alternative APN	`52338`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,176 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	32,234 sqft (0.74 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	52338
Street Address	1634 LAKE ADGER RD
City	MILL SPRING
State	NC
Zip	28756-5637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	0.74 ACRE, 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 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	1634 LAKE ADGER RD, MILL SPRING, NC 28756-5637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Warranty Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 27, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Prior Sale	Nov 18, 2013 · Amount on Record
Deed Book / Page	474 / 970
Prior Transfer Date	Nov 14, 2013
Prior Transfer Doc	00403/2080
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 14, 2022
Property Address	1634 LAKE ADGER RD, MILL SPRING, NC 28756-5637
Document Number	000474/970
Book / Page	474 / 970
Instrument Date	Nov 14, 2022
Transaction Type	Transfer
Record Updated	Nov 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	160 WINTER LN, 160, MILL SPRING, NC 28756-7702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1634 LAKE ADGER RD, MILL SPRING, NC 28756-5637

Mortgage

Document Number	0000474973
Date	Nov 14, 2022
Instrument	474/973

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1634 LAKE ADGER RD, MILL SPRING, NC 28756-5637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	437/2343
Date	Dec 27, 2018
Book Page	437/2343

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$809.00	$161,175 (-) Land $18,500 Building $142,675	$161,175 (-) Land $18,500 Building $142,675
2025	$809.00 (+89.02%)	$161,175 (+141.67%) Land $18,500 Building $142,675	$161,175 (+141.67%) Land $18,500 Building $142,675
2023	$428.00	$66,693 Land $14,800 Building $51,893
2021			$66,693 Land $14,800 Building $51,893

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 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.

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

5G and 4G LTE (outdoors only)

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