23 Laurel Crest Dr, Mill Spring, NC 28756 Property Records

Polk County property record for 23 Laurel Crest Dr, Mill Spring, NC 28756 · Last verified October 2025

Property Summary

Property Type	Other Improved
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Feb 2017)
Tax Bill	$3,491 (2025)
Deeds & Mortgages	Jan 2024 Construction Loan Feb 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`P54-220`

Property Details

APN / Parcel Number

Primary APN	`P54-220`
Alternative APN	`54835`

Exterior

Lot Area	47,045 sqft (1.08 acres)

Location & Zoning

Account Number	54835
Street Address	23 LAUREL CREST DR
City	MILL SPRING
State	NC
Zip	28756-0705
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT # 9 PHASE I SECT L, LAKE ADGER, 0M08 MOUNTAIN PARK 09
Legal Subdivision	MOUNTAIN PARK
Legal Phase	1
Legal Lot Number	9
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3027
Census Tract	920201

Owner

Source: Polk County records · APN P54-220

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 784, COLUMBUS, NC 28722-0784
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Feb 28, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Prior Sale	Jan 20, 2011 · Amount on Record
Deed Document Number	0000425487
Deed Book / Page	425 / 487
Record Updated	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	23 LAUREL CREST DR, MILL SPRING, NC 28756-0705
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	668 BETHANY CHURCH RD, FOREST CITY, NC 28043-8104

Mortgage

Document Number	000483/173
Date	Jan 26, 2024
Book Page	483/173

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Feb 01, 2032
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	13.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	13.2%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 28, 2017
Property Address	23 LAUREL CREST DR, MILL SPRING, NC 28756-0705
Document Number	00425/0487
Book / Page	425 / 0487
Instrument Date	Feb 28, 2017
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 HAWK RIDGE DR, MILL SPRING, NC 28756-7636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 784, COLUMBUS, NC 28722-0784

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	$3,491.00 (+2,564.89%)	$695,002 (+3,293.56%) Land $50,800 Building $644,202	$695,002 (+3,293.56%) Land $50,800 Building $644,202
2023	$131.00	$20,480 Land $20,480
2021			$20,480 Land $20,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499202013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	About 1 in 775 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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