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

Polk County property record for 269 Pea Rdg Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 1962
Lot Size	3.78 acres (164,657 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,645 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P92-80`

Property Details

APN / Parcel Number

Primary APN	`P92-80`
Alternative APN	`27306`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,760 sqft Finished Area
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	164,657 sqft (3.78 acres)
Porch	Porch
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	27306
Street Address	269 PEA RIDGE RD
City	MILL SPRING
State	NC
Zip	28756-5737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	C-1038, 0000 00 X 00, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1015
Census Tract	920202

Owner

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	2 Individual Names on Record
Mailing Address	269 PEA RIDGE RD, MILL SPRING, NC 28756-5737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2001
Deed Sale	Jun 27, 2001
Prior Sale	Dec 6, 1999 · Amount on Record
Deed Book / Page	273 / 840
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	269 PEA RIDGE RD, MILL SPRING, NC 28756-5737
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000424/386
Date	Jan 9, 2017
Book Page	424/386
Instrument	004632650014

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	269 PEA RIDGE RD, MILL SPRING, NC 28756-5737
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000462/14
Date	Aug 10, 2021
Book Page	462/14

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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	$1,645.00	$322,319 (-) Land $63,215 Building $259,104	$322,319 (-) Land $63,215 Building $259,104
2025	$1,645.00 (+32.45%)	$322,319 (+66.01%) Land $63,215 Building $259,104	$322,319 (+66.01%) Land $63,215 Building $259,104
2023	$1,242.00	$194,154 Land $45,150 Building $149,004
2021			$194,154 Land $45,150 Building $149,004

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 53% of the US · above 75% 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, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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