329 Silver Ridge Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 329 Silver Ridge Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,134 sqft · built 2006
Lot Size	10 acres (437,342 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Apr 2021)
Tax Bill	$2,998 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`P54-193`

Property Details

APN / Parcel Number

Primary APN	`P54-193`
Alternative APN	`31650`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,134 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stone
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Shingle
Lot Area	437,342 sqft (10 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	31650
Street Address	329 SILVER RIDGE RD
City	MILL SPRING
State	NC
Zip	28756-6852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT #21 SEC H-3A, LAKE ADGER, 0W12 WEST RIDGE
Legal Subdivision	WEST RIDGE
Legal Lot Number	21
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3023
Census Tract	920201

Owner

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	329 SILVER RIDGE RD, MILL SPRING, NC 28756-6852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Nov 20, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Nov 20, 2020 · Amount on Record
Deed Book / Page	458 / 107
Prior Transfer Date	Oct 31, 2007
Prior Transfer Doc	00360/2349
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 1, 2021
Property Address	329 SILVER RIDGE RD, MILL SPRING, NC 28756-6852
Document Number	000458/107
Book / Page	458 / 107
Map Reference	FILE E PG 348
Instrument Date	Mar 23, 2021
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	915 S TRADE ST, 915, TRYON, NC 28782-3721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 BRAEBURN LN, BARRINGTON, IL 60010-9619

Mortgage

Document Number	0000458111
Date	Apr 1, 2021
Instrument	458/111

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 20, 2020
Property Address	329 SILVER RIDGE RD, MILL SPRING, NC 28756-6852
Document Number	000454/538
Book / Page	454 / 538
Map Reference	FILE E PG 348
Instrument Date	Nov 17, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4789 HIGHWAY A1A, 4789, VERO BEACH, FL 32963-5402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 S TRADE ST, TRYON, NC 28782-3721

Tax Assessment & Valuation

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	$2,998.00	$596,908 (-) Land $130,400 Building $466,508	$596,908 (-) Land $130,400 Building $466,508
2025	$2,998.00 (+14.95%)	$596,908 (+47.1%) Land $130,400 Building $466,508	$596,908 (+47.1%) Land $130,400 Building $466,508
2023	$2,608.00	$405,786 Land $84,240 Building $321,546
2021			$405,786 Land $84,240 Building $321,546

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
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

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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