253 Henry Ruff Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 253 Henry Ruff Rd, Mill Spring, NC 28756 · Last verified October 2025

Property Highlights

Property Type	Other > Other Improved
Lot Size	89,734 sqft (2.05 acres)
Occupancy	Owner Occupied
Tax Bill	$1,169.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`P53-104`

Exterior

Lot Area	89,734 sqft (2.05 acres)

Location & Zoning

Street Address	253 HENRY RUFF RD
City	MILL SPRING
State	NC
Zip	28756-5806
Property Usage	Other Property Usage
Type	Other > Other Improved
Legal Description	500 COUNTY RURAL
Legal Subdivision	500 COUNTY RURAL
Jurisdiction	POLK NC
Minor Civil Division	COOPER GAP
Census Blockgroup	3
Census Block	3027
Census Tract	920201

Owner

Source: Polk County records · APN P53-104

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
Mailing Address	253 HENRY RUFF RD, MILL SPRING, NC 28756-5806
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 10, 2023
Deed Sale	Oct 10, 2023
Prior Sale	Jan 13, 2023
Deed Doc Number	0000481348
Deed Book / Page	481 / 348
Record Refreshed	Jun 08, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	POLK NC
Recording Date	Jan 13, 2023
Property Address	253 HENRY RUFF RD, MILL SPRING, NC 28756-5806
Document Number	00475/1047
Book / Page	475 / 1047
Map Reference	FILE F PG 1469
Instrument Date	Dec 10, 2022
Transaction Type	Transfer
Record Updated	Feb 01, 2023

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	439 S LAKE ST, HARRISON, MI 48625-8755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	253 HENRY RUFF RD, MILL SPRING, NC 28756-5806

Mortgage

Document Number	00475/1052
Date	Jan 13, 2023
Book Page	475/1052

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.72%
Type Change Date	Feb 01, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	Other
Margin	3
Max Rate	10.7%

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	$1,169.00 (+2,897.44%)	$232,850 (+3,667.8%) Land $30,883 Building $201,967	$232,850 (+3,667.8%) Land $30,883 Building $201,967
2023	$39.00	$6,180 Land $6,180
2021			$6,180 Land $6,180

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	About 1 in 654 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.