Polk County property record for 41 Cove Ln, Mill Spring, NC 28756
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 2 ba · 1,960 sqft · built 2008 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jun 2006) |
| Tax Bill | $3,472 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | P55-230 |
| Primary APN | P55-230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,960 sqft Finished Area |
| Basement Area | 1,736 sqft |
| Unfinished Basement | 1,736 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 47,480 sqft (1.09 acres) |
| Porch | Porch |
| Deck Area | Deck Area |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 34533 |
|---|---|
| Street Address | 41 COVE LN |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-8814 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | OPEN |
| Legal Description | LOT #25, LAKE ADGER, 0S05 SOUTH COVE 09 |
| Legal Subdivision | SOUTH COVE |
| Legal Lot Number | 25 |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 920201 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1108 GULF BLVD, INDIAN ROCKS BEACH, FL 33785-4713 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2006 · Amount on Record |
| Deed Sale | Jun 7, 2006 · Amount on Record |
| Prior Sale | Dec 6, 1999 · Amount on Record |
| Deed Book / Page | 342 / 724 |
| Record Updated | Oct 29, 2026 |
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 | $3,472.00 | $680,361 (-) Land $150,000 Building $530,361 | $680,361 (-) Land $150,000 Building $530,361 |
| 2025 | $3,472.00 (+11.32%) | $680,361 (+39.52%) Land $150,000 Building $530,361 | $680,361 (+39.52%) Land $150,000 Building $530,361 |
| 2023 | $3,119.00 | $487,658 Land $90,000 Building $397,658 | |
| 2021 | $487,658 Land $90,000 Building $397,658 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 72% 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 3 |
| Skyrunner Fixed Wireless | 25 / 10 |
May also be available: Spectrum.
4G LTE (outdoors only), no 5G reported
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