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

Polk County property record for 462 Chimney Rock Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 2005
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,500 (Sep 2021)
Tax Bill	$761 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P42-22`

Property Details

APN / Parcel Number

Primary APN	`P42-22`
Alternative APN	`31980`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,152 sqft Finished Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	32,234 sqft (0.74 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	31980
Street Address	462 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 24 SECTION B, 0L01 SILVER CREEK COMMUNITY
Legal Subdivision	SILVER CREEK COMMUNITY
Legal Lot Number	24
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1006
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 Individual Names on Record
Mailing Address	462 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	May 25, 2007 · Amount on Record
Deed Book / Page	463 / 269
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 15, 2021
Property Address	462 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780
Document Number	000463/269
Book / Page	463 / 269
Map Reference	MB 7 PG 17
Instrument Date	Sep 14, 2021
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AUSTIN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1163 WHITE OAK LN, TRYON, NC 28782-8872

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 CHIMNEY ROCK RD, MILL SPRING, NC 28756-8780

Mortgage

Document Number	0000463271
Date	Sep 15, 2021
Instrument	463/271

Lender

Name	LIBERTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	$761.00	$149,290 (-) Land $11,100 Building $138,190	$149,290 (-) Land $11,100 Building $138,190
2025	$761.00 (+9.81%)	$149,290 (+37.78%) Land $11,100 Building $138,190	$149,290 (+37.78%) Land $11,100 Building $138,190
2023	$693.00	$108,352 Land $5,920 Building $102,432
2021			$108,352 Land $5,920 Building $102,432

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 52% of the US · above 74% 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 55 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 only, no 5G reported

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