Polk County property record for 2838 Lake Adger Rd, Mill Spring, NC 28756
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1998 |
| Lot Size | 1.91 acres (83,200 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $919 (2026) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P40-28 |
| Primary APN | P40-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,560 sqft Finished Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Lot Area | 83,200 sqft (1.91 acres) |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 53417 |
|---|---|
| Street Address | 2838 LAKE ADGER RD |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-5631 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | OPEN |
| Legal Description | 1.91 ACRES, 500 500 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | COOPER GAP |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 920201 |
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 | 2838 LAKE ADGER RD, MILL SPRING, NC 28756-5631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2014 |
| Deed Sale | Oct 15, 2014 |
| Prior Sale | Sep 11, 2014 |
| Deed Book / Page | 272 / 263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 2838 LAKE ADGER RD, MILL SPRING, NC 28756-5631 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00426/1403 |
|---|---|
| Date | May 16, 2017 |
| Book Page | 426/1403 |
| Instrument | 004647260017 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2037 |
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 | $919.00 | $182,988 (-) Land $33,417 Building $149,571 | $182,988 (-) Land $33,417 Building $149,571 |
| 2025 | $919.00 (+24.36%) | $182,988 (+59.16%) Land $33,417 Building $149,571 | $182,988 (+59.16%) Land $33,417 Building $149,571 |
| 2023 | $739.00 | $114,971 Land $24,550 Building $90,421 | |
| 2021 | $114,971 Land $24,550 Building $90,421 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 79% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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