415 Chimney Rock Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 415 Chimney Rock Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1979
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jun 2022)
Tax Bill	$968 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`P42-70`

Property Details

APN / Parcel Number

Primary APN	`P42-70`
Alternative APN	`12142`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	864 sqft Finished Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	34,848 sqft (0.8 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	12142
Street Address	415 CHIMNEY ROCK RD
City	MILL SPRING
State	NC
Zip	28756-8780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT 27 SECTION B, 0L01 SILVER CREEK COMMUNITY
Legal Subdivision	SILVER CREEK COMMUNITY
Legal Lot Number	27
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1005
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	415 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 10, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Book / Page	470 / 928
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 1, 2022
Property Address	415 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780
Document Number	000470/928
Book / Page	470 / 928
Map Reference	MB 7 PG 17
Instrument Date	May 13, 2022
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 INGLEWOOD AVE, 130, SPARTANBURG, SC 29302-3280

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780

Mortgage

Document Number	0000470931
Date	Jun 1, 2022
Instrument	470/931

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 10, 2021
Property Address	415 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780
Document Number	000459/513
Book / Page	459 / 513
Map Reference	MB 7 PG 17
Instrument Date	May 6, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Tax	$93.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	833 GEORGE RATLIFF RD, 833, PEACHLAND, NC 28133-8063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 INGLEWOOD AVE, SPARTANBURG, SC 29302-3280

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	$968.00	$189,699 (-) Land $12,000 Building $177,699	$189,699 (-) Land $12,000 Building $177,699
2025	$968.00 (+29.59%)	$189,699 (+62.24%) Land $12,000 Building $177,699	$189,699 (+62.24%) Land $12,000 Building $177,699
2023	$747.00	$116,925 Land $6,400 Building $110,525
2021			$116,925 Land $6,400 Building $110,525

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

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

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