3111 Silver Creek Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 3111 Silver Creek Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,660 sqft · built 1900
Lot Size	47.5 acres (2,071,714 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Oct 2022)
Tax Bill	$6,590 (2025)
Deeds & Mortgages	Oct 2022 Sale & Construction Loan Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`P56-3`

Property Details

APN / Parcel Number

Primary APN	`P56-3`
Alternative APN	`54878`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,660 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Lot Area	2,071,714 sqft (47.5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces
Pool Area	800 sqft
Total Buildings	7 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	54878
Street Address	3111 SILVER CREEK RD
City	MILL SPRING
State	NC
Zip	28756-8767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER CREEK CAMPGROUND, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2003
Census Tract	920201

Owner

Source: Polk County records, as of September 29, 2025

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

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	354 HIGH POINTE DR, FORT COLLINS, CO 80525-3283
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Construction Loan · Construction Mortgage UNITED FCU
Mar 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	Mar 17, 2017 · Amount on Record
Deed Document Number	0000474177
Deed Book / Page	474 / 177
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 31, 2022
Property Address	3111 SILVER CREEK RD, MILL SPRING, NC 28756-8767
Document Number	000474/177
Book / Page	474 / 177
Instrument Date	Oct 26, 2022
Transaction Type	Construction Loan
Record Updated	Nov 22, 2022

Transaction

Amount	Amount Recorded
Tax	$2,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	354 HIGH POINTE DR, FORT COLLINS, CO 80525-3283
Investor	Possibly a Property Investor

Mortgage

Document Number	0000474182
Date	Oct 31, 2022
Instrument	474/182

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 17, 2017
Property Address	3111 SILVER CREEK RD, MILL SPRING, NC 28756-8767
Document Number	00425/1157
Book / Page	425 / 1157
Map Reference	DD 220 PG 1730
Instrument Date	Feb 24, 2017
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 RELIANCE WAY, DACULA, GA 30019-6589

Tax Assessment & Valuation

Source: Polk County assessment roll, as of January 1, 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	$6,590.00 (+61.8%)	$1,291,205 (+102.77%) Land $460,680 Building $830,525	$1,291,205 (+102.77%) Land $460,680 Building $830,525
2023	$4,073.00	$636,788 Land $237,800 Building $398,988
2021			$636,788 Land $237,800 Building $398,988

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims

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 57% of the US · above 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 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

Cell Coverage

4G LTE only, no 5G reported

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