192 Shady Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 192 Shady Ln, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 896 sqft · built 1981
Lot Size	9 acres (392,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$307,000 (Oct 2021)
Tax Bill	$1,540 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P92-222`

Property Details

APN / Parcel Number

Primary APN	`P92-222`
Alternative APN	`57027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	896 sqft Finished Area
Basement Area	896 sqft
Unfinished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Lot Area	392,040 sqft (9 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57027
Street Address	192 SHADY LN
City	MILL SPRING
State	NC
Zip	28756-6780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BY SURVEY, SPL, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1006
Census Tract	920202

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	192 SHADY LN, MILL SPRING, NC 28756-6780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Deed Book / Page	463 / 2085
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 6, 2021
Property Address	192 SHADY LN, MILL SPRING, NC 28756-6780
Document Number	463/2085
Book / Page	463 / 2085
Map Reference	MB F PG 1239
Instrument Date	Sep 30, 2021
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$614.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 795, FLETCHER, NC 28732-0795

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 SHADY LN, MILL SPRING, NC 28756-6780

Mortgage

Document Number	4632088
Date	Oct 6, 2021
Instrument	463/2088

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	192 SHADY LN, MILL SPRING, NC 28756-6780
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	458/1021
Date	Apr 15, 2021
Book Page	458/1021

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$1,540.00	$301,756 (-) Land $104,000 Building $197,756	$301,756 (-) Land $104,000 Building $197,756
2025	$1,540.00 (+11.35%)	$301,756 (+39.57%) Land $104,000 Building $197,756	$301,756 (+39.57%) Land $104,000 Building $197,756
2023	$1,383.00	$216,198 Land $65,000 Building $151,198
2021			$216,198 Land $65,000 Building $151,198

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3
Skyrunner Fixed Wireless	25 / 10

Cell Coverage

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

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