275 Peninsula Dr, Mill Spring, NC 28756 Property Records

Polk County property record for 275 Peninsula Dr, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,247 sqft · built 2009
Lot Size	0.991 acres (43,186 sqft)
Owner	Trust Name on Record
Last Sale	$429,000 (Feb 2007)
Tax Bill	$7,691 (2025)
Deeds & Mortgages	May 2019 Refinance Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P54-246`

Property Details

APN / Parcel Number

Primary APN	`P54-246`
Alternative APN	`35319`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Building Area	2,247 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Shingle
Lot Area	43,186 sqft (0.991 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	35319
Street Address	275 PENINSULA DR
City	MILL SPRING
State	NC
Zip	28756-0678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT 36 PHASE 2 SECT L, LAKE ADGER, 0M08 MOUNTAIN PARK 09
Legal Subdivision	MOUNTAIN PARK
Legal Phase	2
Legal Lot Number	36
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3027
Census Tract	920201

Owner

Source: Polk County records, as of October 16, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	15 30TH AVE, ISLE OF PALMS, SC 29451-2415
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 11, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2007 · Amount on Record
Deed Sale	Feb 15, 2007 · Amount on Record
Prior Sale	Sep 19, 2005 · Amount on Record
Deed Book / Page	350 / 1660
Last Transfer Date	Oct 8, 2021
Transfer Doc	00463/2291
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	275 PENINSULA DR, MILL SPRING, NC 28756-0678
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00440/1887
Date	May 28, 2019
Book Page	440/1887

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	275 PENINSULA DR, MILL SPRING, NC 28756-0678
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000466/291
Date	Dec 17, 2021
Book Page	466/291

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Oct 11, 2021
Property Address	275 PENINSULA DR, MILL SPRING, NC 28756-0678
Document Number	00463/2291
Book / Page	463 / 2291
Map Reference	FILE E PG 1448
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	136 S KING ST STE B, B, HENDERSONVILLE, NC 28792-5086

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

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
2025	$7,691.00 (+6.44%)	$1,530,860 (+36.17%) Land $195,000 Building $1,335,860	$1,530,860 (+36.17%) Land $195,000 Building $1,335,860
2023	$7,226.00	$1,124,211 Land $100,000 Building $1,024,211
2021			$1,124,211 Land $100,000 Building $1,024,211

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

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

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