506 Jones Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 506 Jones Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,736 sqft · built 1974
Lot Size	15.2 acres (665,161 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Jun 2019)
Tax Bill	$4,551 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P52-25`

Property Details

APN / Parcel Number

Primary APN	`P52-25`
Alternative APN	`57142`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,736 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	665,161 sqft (15.2 acres)
Pool Area	792 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57142
Street Address	506 JONES RD
City	MILL SPRING
State	NC
Zip	28756-5660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	500, 500 500 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	COOPER GAP
Census Block Group	3
Census Block	3029
Census Tract	920201

Owner

Source: Polk County records, as of September 29, 2025

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
Co-owner	Co-owner on Record
Mailing Address	506 JONES RD, MILL SPRING, NC 28756-5660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED COMMUNITY BANK
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jun 28, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Dec 22, 2014 · Amount on Record
Deed Document Number	0004411278
Deed Book / Page	410 / 1064
Prior Transfer Date	Oct 11, 2016
Prior Transfer Doc	0004220843
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	506 JONES RD, MILL SPRING, NC 28756-5660
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000451/521
Date	Aug 19, 2020
Book Page	451/521

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	506 JONES RD, MILL SPRING, NC 28756-5660
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000446/143
Date	Jan 21, 2020
Book Page	446/143

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	506 JONES RD, MILL SPRING, NC 28756-5660
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00456/1987
Date	Feb 24, 2021
Book Page	456/1987

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 28, 2019
Property Address	506 JONES RD, MILL SPRING, NC 28756-5660
Document Number	00441/1278
Book / Page	441 / 1278
Instrument Date	Jun 21, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
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	506 JONES RD, MILL SPRING, NC 28756-5660

Mortgage

Document Number	0004411281
Date	Jun 28, 2019
Instrument	441/1281

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.1%
Type Change Date	Jul 1, 2026
Max Rate At Change	2.2%

Mortgage

Document Number	00441/1278
Date	Jun 28, 2019
Book Page	441/1278

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.1%
Type Change Date	Jul 1, 2026
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Polk County assessment roll, as of January 1, 2025

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
2025	$4,551.00 (+6.88%)	$905,853 (+36.75%) Land $181,997 Building $723,856	$905,853 (+36.75%) Land $181,997 Building $723,856
2023	$4,258.00 (+16.09%)	$662,431 (+12.45%) Land $111,350 Building $551,081
2022	$3,668.00	$589,098 Land $113,600 Building $475,498
2021			$662,431 Land $111,350 Building $551,081

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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