Polk County property record for 2356 Pea Rdg Rd, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,950 sqft · built 1976 |
| Lot Size | 8.62 acres (375,487 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Sep 2018) |
| Tax Bill | $1,611 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P93-23 |
| Primary APN | P93-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,950 sqft Finished Area |
| Basement Area | 1,188 sqft |
| Unfinished Basement | 1,188 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Brick Veneer |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 375,487 sqft (8.62 acres) |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 56387 |
|---|---|
| Street Address | 2356 PEA RIDGE RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-5724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | 8.62 ACRES, 400 400 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 920101 |
2356 Pea Rdg Rd is owned and occupied by two individuals who bought it in September 2018.
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 File |
|---|---|
| Mailing Address | 2356 PEA RIDGE RD, MILL SPRING, NC 28756-5724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Sep 21, 2018 | Warranty Deed, Transfer FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2018 · Amount on File |
| Deed Sale | Sep 21, 2018 · Amount on File |
| Prior Sale | Dec 23, 1991 |
| Deed Book / Page | 436 / 233 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 2356 PEA RIDGE RD, MILL SPRING, NC 28756-5724 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00455/1874 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 455/1874 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 21, 2018 |
| Property Address | 2356 PEA RIDGE RD, MILL SPRING, NC 28756-5724 |
| Document Number | 000436/233 |
| Book / Page | 436 / 233 |
| Instrument Date | Sep 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3327 NAUTICAL DR, PANAMA CITY, FL 32409-4830 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000436/0000000236 |
|---|---|
| Date | Sep 21, 2018 |
| Book Page | 0000000436/0000000236 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 352 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 2356 Pea Rdg Rd was $1,611.
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 | $1,611.00 | $315,711 (-) Land $100,485 Building $215,226 | $315,711 (-) Land $100,485 Building $215,226 |
| 2025 | $1,611.00 | $315,711 Land $100,485 Building $215,226 | $315,711 Land $100,485 Building $215,226 |
| 2023 | $1,481.00 | $231,602 Land $63,100 Building $168,502 | |
| 2021 | $231,602 Land $63,100 Building $168,502 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2356 Pea Rdg Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2015.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (2015–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 2356 Pea Rdg Rd is moderate, ranking above 54% 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 54% of the US · above 76% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 100 / 20 |
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