2311 Pea Rdg Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 2311 Pea Rdg Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1960
Lot Size	14 acres (609,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Jun 2023)
Tax Bill	$1,204 (2026)
Deeds & Mortgages	Oct 2020 Line of Credit Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P104-1`

Property Details

APN / Parcel Number

Primary APN	`P104-1`
Alternative APN	`25632`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	988 sqft Finished Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Concrete Block
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	609,840 sqft (14 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	25632
Street Address	2311 PEA RIDGE RD
City	MILL SPRING
State	NC
Zip	28756-5724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEA RIDGE RD, 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	920202

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2311 PEA RIDGE RD, MILL SPRING, NC 28756-5724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Sep 30, 1998
Deed Book / Page	478 / 1871
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	2311 PEA RIDGE RD, MILL SPRING, NC 28756-5724
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00453/1167
Date	Oct 30, 2020
Book Page	453/1167

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	2311 PEA RIDGE RD, MILL SPRING, NC 28756-5724
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2311 PEA RIDGE RD, MILL SPRING, NC 28756-5724

Mortgage

Document Number	00000481/4
Date	Oct 4, 2023
Book Page	481/4

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	2311 PEA RIDGE RD, MILL SPRING, NC 28756-5724
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2311 PEA RIDGE RD, MILL SPRING, NC 28756-5724

Mortgage

Document Number	00000481/4
Date	Oct 4, 2023
Book Page	481/4

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

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	$1,204.00	$235,921 (-) Land $150,250 Building $85,671	$235,921 (-) Land $150,250 Building $85,671
2025	$1,204.00 (+39.03%)	$235,921 (+74.21%) Land $150,250 Building $85,671	$235,921 (+74.21%) Land $150,250 Building $85,671
2023	$866.00	$135,420 Land $90,000 Building $45,420
2021			$135,420 Land $90,000 Building $45,420

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 56% of the US · above 78% 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, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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