322 Flat Branch Trl, Mill Spring, NC 28756 Property Records

Polk County property record for 322 Flat Branch Trl, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,412 sqft · built 2005
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$283,500 (Aug 2018)
Tax Bill	$1,663 (2026)
Deeds & Mortgages	Sep 2025 Second Mortgage Aug 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P52-182`

Property Details

APN / Parcel Number

Primary APN	`P52-182`
Alternative APN	`56296`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,412 sqft Finished Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	52,272 sqft (1.2 acres)
Garage Area	1,066 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56296
Street Address	322 FLAT BRANCH TRL
City	MILL SPRING
State	NC
Zip	28756-4795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT # 10, PHASE III, 0H15 HEMLOCK CROSSING
Legal Subdivision	HEMLOCK CROSSING
Legal Phase	2
Legal Lot Number	10
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3029
Census Tract	920201

Owner

322 Flat Branch Trl is owned and occupied by two individuals who bought it in August 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	322 FLAT BRANCH TRL, MILL SPRING, NC 28756-4795
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMETRUST BANK
Aug 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TOWER FEDERAL CREDIT UNION
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Aug 23, 2018	Warranty Deed, Transfer
Aug 23, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2018 · Amount on File
Deed Sale	Aug 23, 2018 · Amount on File
Prior Sale	Mar 17, 2014 · Amount on File
Deed Book / Page	435 / 1207
Prior Transfer Date	Aug 9, 2006
Prior Transfer Doc	00344/1041
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	322 FLAT BRANCH TRL, MILL SPRING, NC 28756-4795
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000494/918
Date	Sep 11, 2025
Book Page	494/918

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	322 FLAT BRANCH TRL, MILL SPRING, NC 28756-4795
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	442/1577
Date	Aug 26, 2019
Book Page	442/1577

Lender

Name	TOWER FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	322 FLAT BRANCH TRL, MILL SPRING, NC 28756-4795
Transaction Type	Mortgage
Record Updated	Jun 12, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	448/2214
Date	May 27, 2020
Book Page	448/2214

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 23, 2018
Property Address	322 FLAT BRANCH TRL, MILL SPRING, NC 28756-4795
Document Number	00435/1207
Book / Page	435 / 1207
Instrument Date	Aug 21, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4726 SHEFFIELD RD, LAND O LAKES, FL 34639-4124

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 23, 2018
Property Address	322 FLAT BRANCH TRL, MILL SPRING, NC 28756-4795
Document Number	00435/1223
Book / Page	435 / 1223
Instrument Date	Aug 21, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4726 SHEFFIELD RD, LAND O LAKES, FL 34639-4124

Tax Assessment & Valuation

The 2026 property tax bill for 322 Flat Branch Trl was $1,663.

Source: Polk County assessment roll, as of September 28, 2026

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
2026	$1,663.00	$331,143 (-) Land $23,200 Building $307,943	$331,143 (-) Land $23,200 Building $307,943
2025	$1,663.00	$331,143 Land $23,200 Building $307,943	$331,143 Land $23,200 Building $307,943
2023	$1,599.00	$248,816 Land $21,000 Building $227,816
2021			$248,816 Land $21,000 Building $227,816

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

Flood

FEMA maps place 322 Flat Branch Trl in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 322 Flat Branch Trl is moderate, ranking above 55% 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 55% of the US · above 77% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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