Polk County property record for 288 Cold Springs Dr, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,022 sqft · built 1977 |
| Lot Size | 0.536 acres (23,348 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $167,000 (Jun 2020) |
| Tax Bill | $1,098 (2026) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P42-42 |
| Primary APN | P42-42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,022 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 23,348 sqft (0.536 acres) |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 31435 |
|---|---|
| Street Address | 288 COLD SPRINGS DR |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-8787 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | LOT 33 SECTION A, 0L01 SILVER CREEK COMMUNITY |
| Legal Subdivision | SILVER CREEK COMMUNITY |
| Legal Lot Number | 33 |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 920201 |
288 Cold Springs Dr is owned and occupied by two individuals who bought it in June 2020.
Source: Polk County records, as of October 19, 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 | 288 COLD SPRINGS DR, MILL SPRING, NC 28756-8787 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2020 · Amount on File |
| Deed Sale | Jun 24, 2020 · Amount on File |
| Prior Sale | Feb 12, 2004 · Amount on File |
| Deed Book / Page | 449 / 1725 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Jun 24, 2020 |
| Property Address | 288 COLD SPRINGS DR, MILL SPRING, NC 28756-8787 |
| Document Number | 00449/1725 |
| Book / Page | 449 / 1725 |
| Map Reference | SL A-112 PG 17A |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $334.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 525 ISLAND CREEK RD, 525, ROCKY POINT, NC 28457-7864 |
| Name | Verified Name |
|---|---|
| Address | 288 COLD SPRINGS DR, MILL SPRING, NC 28756-8787 |
| Document Number | 0004491728 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 449/1728 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 288 Cold Springs Dr was $1,098.
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 | $1,098.00 | $215,284 (-) Land $8,445 Building $206,839 | $215,284 (-) Land $8,445 Building $206,839 |
| 2025 | $1,098.00 | $215,284 Land $8,445 Building $206,839 | $215,284 Land $8,445 Building $206,839 |
| 2023 | $830.00 | $129,859 Land $4,504 Building $125,355 | |
| 2021 | $129,859 Land $4,504 Building $125,355 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 288 Cold Springs Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 288 Cold Springs Dr is moderate, ranking above 50% 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 50% of the US · above 71% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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