Polk County property record for 45 Pebble Ln, Mill Spring, NC 28756
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1989 |
| Lot Size | 7.54 acres (328,442 sqft) |
| Owner | Individual Name on File |
| Last Sale | $44,000 (Jul 2010) |
| Tax Bill | $1,565 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P51-74 |
| Primary APN | P51-74 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,680 sqft Finished Area |
| Basement Area | 1,680 sqft |
| Unfinished Basement | 1,680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 328,442 sqft (7.54 acres) |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 8073 |
|---|---|
| Street Address | 45 PEBBLE LN |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-3660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPEN |
| Legal Description | 36.45 ACRES, 500 500 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | COOPER GAP |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 920201 |
45 Pebble Ln is owned and occupied by an individual who bought it in July 2010.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 PEBBLE LN, MILL SPRING, NC 28756-3660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2010 · Amount on File |
| Deed Sale | Jul 14, 2010 · Amount on File |
| Prior Sale | Sep 9, 2009 · Amount on File |
| Deed Book / Page | 381 / 1407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 45 PEBBLE LN, MILL SPRING, NC 28756-3660 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Title Company | STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 45 PEBBLE LN, MILL SPRING, NC 28756-3660 |
| Document Number | 000471/535 |
|---|---|
| Date | Jul 5, 2022 |
| Book Page | 471/535 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 45 Pebble Ln was $1,565.
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 | $1,565.00 | $311,680 (-) Land $53,519 Building $258,161 | $343,655 (-) Land $85,494 Building $258,161 |
| 2025 | $1,565.00 | $311,680 Land $53,519 Building $258,161 | $343,655 Land $85,494 Building $258,161 |
| 2023 | $1,430.00 | $222,611 Land $36,622 Building $185,989 | |
| 2021 | $238,689 Land $52,700 Building $185,989 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Pebble Ln 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 risk around 45 Pebble Ln is moderate, ranking above 56% 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 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
4G LTE (outdoors only), no 5G reported
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