2249 Silver Creek Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 2249 Silver Creek Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · built 1955
Lot Size	8.7 acres (378,972 sqft)
Owner	2 Company Names on Record
Last Sale	$255,000 (Feb 2020)
Tax Bill	$1,614 (2025)
Deeds & Mortgages	Jan 2024 Transfer Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P56-11`

Property Details

APN / Parcel Number

Primary APN	`P56-11`
Alternative APN	`56532`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	378,972 sqft (8.7 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	56532
Street Address	2249 SILVER CREEK RD
City	MILL SPRING
State	NC
Zip	28756-5610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	CMB, 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 September 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 1565, PINE VALLEY, CA 91962-1565
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Intrafamily Transfer, Transfer
Feb 28, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMETRUST BANK
Nov 27, 2018	Warranty Deed, Transfer ENTEGRA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	Nov 27, 2018 · Amount on Record
Deed Book / Page	446 / 2355
Last Transfer Date	Jan 14, 2024
Transfer Doc	000483/338
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Jan 29, 2024
Property Address	2249 SILVER CREEK RD, MILL SPRING, NC 28756-5610
Document Number	000483/338
Book / Page	483 / 338
Map Reference	FILE B PG 220
Instrument Date	Jan 14, 2024
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1565, PINE VALLEY, CA 91962-1565

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 1565, PINE VALLEY, CA 91962-1565

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 28, 2020
Property Address	2249 SILVER CREEK RD, MILL SPRING, NC 28756-5610
Document Number	00446/2355
Book / Page	446 / 2355
Instrument Date	Feb 25, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1565, PINE VALLEY, CA 91962-1565

Mortgage

Document Number	0004462359
Date	Feb 28, 2020
Instrument	446/2359

Lender

Name	HOMETRUST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00446/2355
Date	Feb 28, 2020
Book Page	446/2355

Lender

Name	HOMETRUST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 27, 2018
Property Address	2249 SILVER CREEK RD, MILL SPRING, NC 28756-5610
Document Number	000437/876
Book / Page	437 / 876
Instrument Date	Nov 27, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 SILVER CREEK RD, MILL SPRING, NC 28756-8676

Mortgage

Document Number	0000000437/0000000879
Date	Nov 27, 2018
Book Page	0000000437/0000000879

Lender

Name	ENTEGRA BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

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	$1,614.00 (+3%)	$316,349 (+29.11%) Land $123,725 Building $192,624	$316,349 (+29.11%) Land $123,725 Building $192,624
2023	$1,567.00	$245,025 Land $82,250 Building $162,775
2021			$245,025 Land $82,250 Building $162,775

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

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

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