184 Chimney Rock Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 184 Chimney Rock Rd, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Details	2 bd · 2 ba · 1,282 sqft · built 2018
Lot Size	7.44 acres (324,522 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jun 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`P55-493`

Property Details

APN / Parcel Number

Primary APN	`P55-493`
Alternative APN	`40695`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,282 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	324,522 sqft (7.44 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	40695
Street Address	184 CHIMNEY ROCK RD
City	MILL SPRING
State	NC
Zip	28756
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT #51 PLAT F-6, LAKE ADGER, P42 MAP P42
Legal Subdivision	MAP P42
Legal Lot Number	51
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1008
Census Tract	920201

Owner

Source: Polk County records · APN P55-493

Assessment roll updated January 1, 2025 · Last verified October 2025

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 File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 412, MILL SPRING, NC 28756-0412
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jun 05, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2012
Deed Sale	Apr 30, 2012
Deed Document Number	0000393329
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	184 CHIMNEY ROCK RD, MILL SPRING, NC 28756
Transaction Type	Mortgage
Record Updated	Nov 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00430/1131
Date	Dec 13, 2017
Book Page	430/1131

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	370 Months
Due	Oct 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	3.25%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	184 CHIMNEY ROCK RD, MILL SPRING, NC 28756
Transaction Type	Mortgage
Record Updated	Nov 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00440/2456
Date	Jun 05, 2019
Book Page	440/2456

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,986.00 (+6.32%)	$389,292 (+33.28%) Land $58,700 Building $330,592	$389,292 (+33.28%) Land $58,700 Building $330,592
2023	$1,868.00	$292,086 Land $40,800 Building $251,286
2021			$292,086 Land $40,800 Building $251,286

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 8, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Uniti Group DSL	100 / 20

May also be available: Verizon.

Based on FCC filings for 52 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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