Polk County property record for 2630 Pea Rdg Rd, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,920 sqft · built 1981 |
| Lot Size | 0.81 acres (35,284 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,404 (2026) |
| Deeds & Mortgages | Sep 2020 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P105-48 |
| Primary APN | P105-48 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,920 sqft Finished Area |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 35,284 sqft (0.81 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 12870 |
|---|---|
| Street Address | 2630 PEA RIDGE RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-5720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | 400, 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 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2630 PEA RIDGE RD, MILL SPRING, NC 28756-5720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 201 / 985 |
| Last Transfer Date | Sep 4, 2020 |
| Transfer Doc | 00451/2263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 15, 2020 |
| Property Address | 2630 PEA RIDGE RD, MILL SPRING, NC 28756-5720 |
| Document Number | 00451/2263 |
| Book / Page | 451 / 2263 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2630 PEA RIDGE RD, MILL SPRING, NC 28756-5720 |
| Document Number | 0004512266 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 451/2266 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 939 Months |
| Due | Dec 1, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.92% |
| Type Change Date | Oct 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
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 | $1,404.00 | $275,084 (-) Land $24,300 Building $250,784 | $275,084 (-) Land $24,300 Building $250,784 |
| 2025 | $1,404.00 (+1.37%) | $275,084 (+27%) Land $24,300 Building $250,784 | $275,084 (+27%) Land $24,300 Building $250,784 |
| 2023 | $1,385.00 | $216,594 Land $20,250 Building $196,344 | |
| 2021 | $216,594 Land $20,250 Building $196,344 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 72% 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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