477 Silver Creek Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 477 Silver Creek Rd, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Details	4 bd · 4 ba · 1,684 sqft · built 2010
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Nov 2020)
Tax Bill	$1,494 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P70-74`

Property Details

APN / Parcel Number

Primary APN	`P70-74`
Alternative APN	`57658`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Building Area	1,684 sqft Finished Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Duplex Single
Exterior Material	Wood
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57658
Street Address	477 SILVER CREEK RD
City	MILL SPRING
State	NC
Zip	28756-5769
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	OPEN
Legal Description	LOT 2, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Legal Lot Number	2
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2000
Census Tract	920201

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	744 PROSPECT POINT DR, TRYON, NC 28782-0106
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 31, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	Dec 31, 2019 · Amount on File
Deed Book / Page	454 / 761
Prior Transfer Date	Sep 2, 2009
Prior Transfer Doc	0375/1483
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 23, 2020
Property Address	477 SILVER CREEK RD, MILL SPRING, NC 28756-5769
Document Number	000454/761
Book / Page	454 / 761
Map Reference	FILE E PG 489
Instrument Date	Oct 7, 2020
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
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	129 LIGHTHOUSE DR, VALLEJO, CA 94590-4029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	744 PROSPECT POINT DR, TRYON, NC 28782-0106

Mortgage

Document Number	0000454764
Date	Nov 23, 2020
Instrument	454/764

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 31, 2019
Property Address	477 SILVER CREEK RD, MILL SPRING, NC 28756-5769
Document Number	00445/1512
Book / Page	445 / 1512
Instrument Date	Dec 30, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 LIGHTHOUSE DR, VALLEJO, CA 94590-4029

Mortgage

Document Number	00445/1515
Date	Dec 31, 2019
Book Page	445/1515

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

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	$1,494.00	$292,740 (-) Land $30,000 Building $262,740	$292,740 (-) Land $30,000 Building $262,740
2025	$1,494.00 (+2.05%)	$292,740 (+27.84%) Land $30,000 Building $262,740	$292,740 (+27.84%) Land $30,000 Building $262,740
2023	$1,464.00	$228,987 Land $25,000 Building $203,987
2021			$228,987 Land $25,000 Building $203,987

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
Flood Insurance Cost	Premium on File 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 51% of the US · above 73% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Pangaea Internet.

Cell Coverage

4G LTE only, no 5G reported

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