1689 Silver Creek Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 1689 Silver Creek Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,608 sqft · built 1970
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,500 (Nov 2022)
Tax Bill	$2,295 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P56-18`

Property Details

APN / Parcel Number

Primary APN	`P56-18`
Alternative APN	`24680`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,608 sqft Finished Area
Basement Area	1,248 sqft
Finished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	222,156 sqft (5.1 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	24680
Street Address	1689 SILVER CREEK RD
City	MILL SPRING
State	NC
Zip	28756-5607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	24.93 AC, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2001
Census Tract	920201

Owner

Source: Polk County records, as of March 24, 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	320 ASHWOOD DR, SUFFOLK, VA 23434-2539
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · VA Mortgage PERRY JOHNSON MORTGAGE CO INC
Jun 14, 2019	Deed of Trust, Mortgage · Balloon Mortgage HOMETRUST BANK
Nov 21, 2022	Warranty Deed, Transfer · VA Mortgage SOUTH CENTRAL BANK
May 13, 2019	Warranty Deed, Transfer
May 13, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Jul 13, 2006 · Amount on Record
Deed Book / Page	474 / 1342
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607

Mortgage

Document Number	000496/489
Date	Dec 5, 2025
Book Page	496/489

Lender

Name	PERRY JOHNSON MORTGAGE CO INC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000441/500
Date	Jun 14, 2019
Book Page	441/500

Lender

Name	HOMETRUST BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 21, 2022
Property Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607
Document Number	00474/1342
Book / Page	474 / 1342
Map Reference	FILE G PG 321
Instrument Date	Nov 17, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1429, COLUMBUS, NC 28722-1429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607

Mortgage

Document Number	0004741345
Date	Nov 21, 2022
Instrument	474/1345

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 13, 2019
Property Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607
Document Number	00440/1043
Book / Page	440 / 1043
Instrument Date	May 13, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 13, 2019
Property Address	1689 SILVER CREEK RD, MILL SPRING, NC 28756-5607
Document Number	00440/1046
Book / Page	440 / 1046
Instrument Date	May 13, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

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
2025	$2,295.00 (+19.53%)	$449,743 (+49.81%) Land $67,925 Building $381,818	$449,743 (+49.81%) Land $67,925 Building $381,818
2023	$1,920.00	$300,218 Land $45,500 Building $254,718
2021			$300,218 Land $45,500 Building $254,718

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims

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 55% of the US · above 77% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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