447 River Park Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 447 River Park Ln, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,709 sqft · built 2005
Lot Size	2.42 acres (105,415 sqft)
Owner	2 Trust Names on Record
Last Sale	$950,000 (Oct 2024)
Tax Bill	$4,411 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P55-528`

Property Details

APN / Parcel Number

Primary APN	`P55-528`
Alternative APN	`35006`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,709 sqft Finished Area
Basement Area	1,250 sqft
Finished Basement	1,000 sqft
Unfinished Basement	250 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	105,415 sqft (2.42 acres)
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	35006
Street Address	447 RIVER PARK LN
City	MILL SPRING
State	NC
Zip	28756-6860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT #16 SECT M, LAKE ADGER, 0R04 RIVER PARK 09
Legal Subdivision	RIVER PARK
Legal Lot Number	16
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2011
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	2 Trust Names on Record
Mailing Address	447 RIVER PARK LN, MILL SPRING, NC 28756-6860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2024 · Amount on Record
Deed Sale	Oct 15, 2024 · Amount on Record
Prior Sale	Dec 16, 2021 · Amount on Record
Deed Book / Page	488 / 433
Last Transfer Date	May 7, 2025
Transfer Doc	0000492/55
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 16, 2021
Property Address	447 RIVER PARK LN, MILL SPRING, NC 28756-6860
Document Number	000466/154
Book / Page	466 / 154
Map Reference	FILE E PG 696
Instrument Date	Dec 16, 2021
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17834 ROSEHILL CT, 17834, ESTERO, FL 33928-6583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 RIVER PARK LN, MILL SPRING, NC 28756-6860

Mortgage

Document Number	0000466158
Date	Dec 16, 2021
Instrument	466/158

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

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

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	$4,411.00	$864,349 (-) Land $72,780 Building $791,569	$864,349 (-) Land $72,780 Building $791,569
2025	$4,411.00 (+54.61%)	$864,349 (+93.75%) Land $72,780 Building $791,569	$864,349 (+93.75%) Land $72,780 Building $791,569
2023	$2,853.00	$446,115 Land $25,059 Building $421,056
2021			$446,115 Land $25,059 Building $421,056

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 56% of the US · above 78% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	50 / 3
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum.

Cell Coverage

4G LTE only, no 5G reported

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