290 Henry Ruff Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 290 Henry Ruff Rd, Mill Spring, NC 28756 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,792 sqft · built 2003
Lot Size	16.7 acres (728,323 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,065 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`P53-73`

Property Details

APN / Parcel Number

Primary APN	`P53-73`
Alternative APN	`28945`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,792 sqft Finished Area

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Foundation Type	Retaining Wall
Roof Material	Metal
Lot Area	728,323 sqft (16.7 acres)

Location & Zoning

Account Number	28945
Street Address	290 HENRY RUFF RD
City	MILL SPRING
State	NC
Zip	28756-5806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.00 ACRES, 500 500 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3027
Census Tract	920201

Owner

Source: Polk County records · APN P53-73

Assessment roll updated January 1, 2025 · Last verified October 2025

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 File
Co-owner	Verified Secondary Owner
Mailing Address	290 HENRY RUFF RD, MILL SPRING, NC 28756-5806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 18, 2001
Deed Sale	Apr 18, 2001
Deed Document Number	0004781617
Record Updated	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	290 HENRY RUFF RD, MILL SPRING, NC 28756-5806
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000476/671
Date	Feb 27, 2023
Book Page	476/671

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,065.00 (+11.92%)	$411,120 (+43.23%) Land $56,534 Building $354,586	$524,996 (+82.9%) Land $170,410 Building $354,586
2023	$1,845.00	$287,034 Land $30,000 Building $257,034
2021			$287,034 Land $30,000 Building $257,034

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 80% of North Carolina
Wildfire Likelihood	About 1 in 625 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.