Polk County property record for 1920 Silver Creek Rd, Mill Spring, NC 28756
| Property Type | Other Improved |
|---|---|
| Details | 4 bd · 2 ba · 2,280 sqft · built 2014 |
| Lot Size | 1.81 acres (78,844 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,662 (2026) |
| Deeds & Mortgages | Jun 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P56-120 |
| Primary APN | P56-120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,280 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Modular |
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 78,844 sqft (1.81 acres) |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Account Number | 52123 |
|---|---|
| Street Address | 1920 SILVER CREEK RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | 1.81 AC, 400 400 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 920201 |
1920 Silver Creek Rd is owned by two individuals who acquired it in March 2014.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1950 SILVER CREEK RD, MILL SPRING, NC 28756-5608 |
| Owner Type | Individual |
| Vesting | Her Husband |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2014 |
| Deed Sale | Mar 17, 2014 |
| Deed Book / Page | 405 / 1107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1920 SILVER CREEK RD, MILL SPRING, NC 28756 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 00485/2479 |
|---|---|
| Date | Jun 18, 2024 |
| Book Page | 485/2479 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2054 |
The 2026 property tax bill for 1920 Silver Creek Rd was $1,662.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,662.00 | $325,782 (-) Land $16,742 Building $309,040 | $325,782 (-) Land $16,742 Building $309,040 |
| 2025 | $1,662.00 | $325,782 Land $16,742 Building $309,040 | $325,782 Land $16,742 Building $309,040 |
| 2023 | $1,551.00 | $242,472 Land $9,050 Building $233,422 | |
| 2021 | $242,472 Land $9,050 Building $233,422 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1920 Silver Creek Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| 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 |
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 risk around 1920 Silver Creek Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of 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.
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 |
4G LTE (outdoors only), no 5G reported
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