Polk County property record for 2766 Pea Rdg Rd, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6.5 ba · 2,280 sqft · built 2006 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,846 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P105-90 |
| Primary APN | P105-90 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,280 sqft Finished Area |
| Basement Area | 2,280 sqft |
| Unfinished Basement | 2,280 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 33456 |
|---|---|
| Street Address | 2766 PEA RIDGE RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-5719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | B-262, 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 October 8, 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 | 2766 PEA RIDGE RD, MILL SPRING, NC 28756-5719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL LENDING |
| Sep 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 234 / 63 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 28, 2026 |
| Property Address | 2766 PEA RIDGE RD, MILL SPRING, NC 28756-5719 |
| Document Number | 0502001467 |
| Book / Page | 502 / 1467 |
| Instrument Date | Sep 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 2766 PEA RIDGE RD, MILL SPRING, NC 28756-5719 |
| Document Number | 0502001467, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 502/1467 |
| Name | CAPITAL LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 28, 2026 |
| Property Address | 2766 PEA RIDGE RD, MILL SPRING, NC 28756-5719 |
| Document Number | 0502001484 |
| Book / Page | 502 / 1484 |
| Instrument Date | Sep 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2026 |
| Title Company | COAST TO COAST TITLE AND ESCROW, COAST TO COAST TITLE & ESCRO |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 2766 PEA RIDGE RD, MILL SPRING, NC 28756-5719 |
| Document Number | 0502001484, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 502/1484 |
| Name | CAPITAL LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $2,846.00 | $557,778 (-) Land $30,000 Building $527,778 | $557,778 (-) Land $30,000 Building $527,778 |
| 2025 | $2,846.00 (+5.8%) | $557,778 (+32.62%) Land $30,000 Building $527,778 | $557,778 (+32.62%) Land $30,000 Building $527,778 |
| 2023 | $2,690.00 | $420,595 Land $25,000 Building $395,595 | |
| 2021 | $420,595 Land $25,000 Building $395,595 |
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 48% of the US · above 70% 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 10 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 |
May also be available: Pangaea Internet, T-Mobile.
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