461 Hawk Ridge Dr, Mill Spring, NC 28756 Property Records

Polk County property record for 461 Hawk Ridge Dr, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Lot Size	4.05 acres (176,418 sqft)
Owner	Individual Name on File
Last Sale	$610,000 (Apr 2025)
Tax Bill	$2,570 (2025)
Deeds & Mortgages	Nov 2021 Construction Loan Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P55-254`

Property Details

APN / Parcel Number

Primary APN	`P55-254`
Alternative APN	`18761`

Exterior

Lot Area	176,418 sqft (4.05 acres)

Location & Zoning

Account Number	18761
Street Address	461 HAWK RIDGE DR
City	MILL SPRING
State	NC
Zip	28756-7645
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT #17, LAKE ADGER, 0H01 HAWK RIDGE 09
Legal Subdivision	HAWK RIDGE
Legal Lot Number	17
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
Census Tract	920201

Owner

Source: Polk County records · APN P55-254

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 1305, BLACK MOUNTAIN, NC 28711-1305
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 19, 2020	Warranty Deed, Transfer · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 11, 2025 · Amount on Record
Deed Sale	Apr 11, 2025 · Amount on Record
Prior Sale	Jun 19, 2020 · Amount on Record
Deed Document Number	0004491522
Deed Book / Page	449 / 1522
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	461 HAWK RIDGE DR, MILL SPRING, NC 28756-7645
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00465/1173
Date	Nov 30, 2021
Book Page	465/1173

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Dec 01, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	4.99%
Index	Other
Margin	3
Max Rate	7.99%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 19, 2020
Property Address	461 HAWK RIDGE DR, MILL SPRING, NC 28756-7645
Document Number	00449/1522
Book / Page	449 / 1522
Map Reference	FILE D PG 15
Instrument Date	Jun 19, 2020
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 SEABURY DR, GREENVILLE, SC 29615-3321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1305, BLACK MOUNTAIN, NC 28711-1305

Mortgage

Document Number	0004491526
Date	Jun 19, 2020
Instrument	449/1526

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,570.00 (+17.35%)	$503,582 (+47.07%) Land $105,000 Building $398,582	$503,582 (+47.07%) Land $105,000 Building $398,582
2023	$2,190.00 (+431.55%)	$342,413 (+389.16%) Land $70,000 Building $272,413
2022	$412.00	$70,000 Land $70,000
2021			$342,413 Land $70,000 Building $272,413

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 8, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Uniti Group DSL	200 / 20

Based on FCC filings for 19 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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