617 S Cove Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 617 S Cove Rd, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Lot Size	2.68 acres (116,741 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (May 2019)
Tax Bill	$3,657 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P55-233`

Property Details

APN / Parcel Number

Primary APN	`P55-233`
Alternative APN	`56975`

Exterior

Lot Area	116,741 sqft (2.68 acres)

Location & Zoning

Account Number	56975
Street Address	617 S COVE RD
City	MILL SPRING
State	NC
Zip	28756-8800
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	OPEN
Legal Description	LOT 28 2.68 ACRES, 0S05 SOUTH COVE 09
Legal Subdivision	SOUTH COVE
Legal Lot Number	28
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
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 Record
Mailing Address	617 S COVE RD, MILL SPRING, NC 28756-8800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
Oct 5, 2020	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
May 9, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on Record
Deed Sale	May 9, 2019 · Amount on Record
Prior Sale	Aug 9, 2013 · Amount on Record
Deed Book / Page	440 / 823
Prior Transfer Date	Mar 26, 2008
Prior Transfer Doc	00363/1425
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	617 S COVE RD, MILL SPRING, NC 28756-8800
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00464/1269
Date	Oct 27, 2021
Book Page	464/1269

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	617 S COVE RD, MILL SPRING, NC 28756-8800
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00452/1413
Date	Oct 5, 2020
Book Page	452/1413

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 9, 2019
Property Address	617 S COVE RD, MILL SPRING, NC 28756-8800
Document Number	000440/823
Book / Page	440 / 823
Instrument Date	May 8, 2019
Transaction Type	Transfer
Record Updated	Nov 8, 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	4209 NW 62ND TER, KANSAS CITY, MO 64151-4755

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	$3,657.00	$716,505 (-) Land $150,000 Building $566,505	$716,505 (-) Land $150,000 Building $566,505
2025	$3,657.00 (+12.97%)	$716,505 (+41.57%) Land $150,000 Building $566,505	$716,505 (+41.57%) Land $150,000 Building $566,505
2023	$3,237.00	$506,100 Land $90,000 Building $416,100
2021			$506,100 Land $90,000 Building $416,100

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
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

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 72% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 3
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum.

Cell Coverage

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

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