168 Peninsula Dr, Mill Spring, NC 28756 Property Records

Polk County property record for 168 Peninsula Dr, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,572 sqft · built 2015
Lot Size	2.82 acres (122,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,000 (Oct 2006)
Tax Bill	$5,110 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P54-258`

Property Details

APN / Parcel Number

Primary APN	`P54-258`
Alternative APN	`52605`

Interior

Full Baths	5 Baths
Total Rooms	8 Rooms
Building Area	2,572 sqft Finished Area
Basement Area	2,456 sqft
Finished Basement	1,378 sqft
Unfinished Basement	1,078 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Shingle
Lot Area	122,839 sqft (2.82 acres)
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	52605
Street Address	168 PENINSULA DR
City	MILL SPRING
State	NC
Zip	28756-0210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT 48 PHASE 2 SECT L, LAKE ADGER, 0M08 MOUNTAIN PARK 09
Legal Subdivision	MOUNTAIN PARK
Legal Phase	2
Legal Lot Number	48
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3027
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	2 Individual Names on Record
Mailing Address	168 PENINSULA DR, MILL SPRING, NC 28756-0210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jul 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2006 · Amount on Record
Deed Sale	Oct 31, 2006 · Amount on Record
Deed Book / Page	347 / 831
Last Transfer Date	Jul 23, 2020
Transfer Doc	00450/1633
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	168 PENINSULA DR, MILL SPRING, NC 28756-0210
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 PENINSULA DR, MILL SPRING, NC 28756-0210

Mortgage

Document Number	460/2428
Date	Jul 2, 2021
Book Page	460/2428

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Jul 28, 2020
Property Address	168 PENINSULA DR, MILL SPRING, NC 28756-0210
Document Number	00450/1633
Book / Page	450 / 1633
Map Reference	FILE E PG 1504
Instrument Date	Jul 23, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

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
Address	168 PENINSULA DR, MILL SPRING, NC 28756-0210

Mortgage

Document Number	0004501637
Date	Jul 28, 2020
Instrument	450/1637

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

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	$5,110.00	$1,017,205 (-) Land $165,750 Building $851,455	$1,017,205 (-) Land $165,750 Building $851,455
2025	$5,110.00 (+10.92%)	$1,017,205 (+41.92%) Land $165,750 Building $851,455	$1,017,205 (+41.92%) Land $165,750 Building $851,455
2023	$4,607.00	$716,751 Land $94,282 Building $622,469
2021			$716,751 Land $94,282 Building $622,469

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.07% 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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Peninsula Dr

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