271 Flat Branch Trl, Mill Spring, NC 28756 Property Records

Polk County property record for 271 Flat Branch Trl, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 2003
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$237,500 (Jan 2021)
Tax Bill	$1,304 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P52-165`

Property Details

APN / Parcel Number

Primary APN	`P52-165`
Alternative APN	`56249`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,368 sqft Finished Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	53,579 sqft (1.23 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56249
Street Address	271 FLAT BRANCH TRL
City	MILL SPRING
State	NC
Zip	28756-4759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT # 6, PHASE II, 0H15 HEMLOCK CROSSING
Legal Subdivision	HEMLOCK CROSSING
Legal Phase	2
Legal Lot Number	6
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3030
Census Tract	920201

Owner

271 Flat Branch Trl is owned and occupied by two individuals who acquired it in April 2025.

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	271 FLAT BRANCH TRL, MILL SPRING, NC 28756-4759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage GOPRIME MORTGAGE INC
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 7, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTY T CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Aug 7, 2018 · Amount on File
Deed Book / Page	455 / 1503
Last Transfer Date	Apr 15, 2025
Transfer Doc	00491/1125
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 11, 2021
Property Address	271 FLAT BRANCH TRL, MILL SPRING, NC 28756-4759
Document Number	00455/1503
Book / Page	455 / 1503
Map Reference	FILE D PG 329
Instrument Date	Jan 11, 2021
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	382 OLD BRYAN FARM DR, 382, MARSHALL, NC 28753-0527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	271 FLAT BRANCH TRL, MILL SPRING, NC 28756-4759

Mortgage

Document Number	0004551506
Date	Jan 11, 2021
Instrument	455/1506

Lender

Name	GOPRIME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	271 FLAT BRANCH TRL, MILL SPRING, NC 28756-4759
Transaction Type	Mortgage
Record Updated	Jun 12, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	447/1978
Date	Apr 6, 2020
Book Page	447/1978

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 7, 2018
Property Address	271 FLAT BRANCH TRL, MILL SPRING, NC 28756-4759
Document Number	000435/114
Book / Page	435 / 114
Instrument Date	Jul 10, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 RED ROCK LN, MILL SPRING, NC 28756-6797

Mortgage

Document Number	0000000435/0000000118
Date	Aug 7, 2018
Book Page	0000000435/0000000118

Lender

Name	GUARANTY T CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 271 Flat Branch Trl was $1,304.

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	$1,304.00	$259,674 (-) Land $23,380 Building $236,294	$259,674 (-) Land $23,380 Building $236,294
2025	$1,304.00	$259,674 Land $23,380 Building $236,294	$259,674 Land $23,380 Building $236,294
2023	$1,316.00	$204,852 Land $21,150 Building $183,702
2021			$204,852 Land $21,150 Building $183,702

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 271 Flat Branch Trl in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 271 Flat Branch Trl is moderate, ranking above 51% 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 51% of the US · above 73% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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