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

Polk County property record for 658 S Cove Rd, Mill Spring, NC 28756 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,861 sqft · built 2006
Lot Size	5.84 acres (254,390 sqft)
Owner	2 Individual Names on File
Last Sale	$471,500 (Jun 2021)
Tax Bill	$2,922 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P55-482`

Property Details

APN / Parcel Number

Primary APN	`P55-482`
Alternative APN	`57246`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,861 sqft Finished Area
Basement Area	1,861 sqft
Finished Basement	570 sqft
Unfinished Basement	1,291 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	254,390 sqft (5.84 acres)
Garage Area	589 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	57246
Street Address	658 S COVE RD
City	MILL SPRING
State	NC
Zip	28756-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #6, LAKE ADGER, 0A04 ADGERWOOD FARMS
Legal Subdivision	ADGERWOOD FARMS
Legal Lot Number	6
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
Census Tract	920201

Owner

Source: Polk County records · APN P55-482

Assessment roll updated September 30, 2025 · Last verified June 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 File
Mailing Address	658 S COVE RD, MILL SPRING, NC 28756-8800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 11, 2021	Warranty Deed, Transfer
Jul 29, 2019	Warranty Deed, Transfer · Stand-Alone Refinance BEVERLY HANK MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Jun 22, 2000 · Amount on Record
Deed Book / Page	460 / 648
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	658 S COVE RD, MILL SPRING, NC 28756-8800
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	461/1859
Date	Aug 02, 2021
Book Page	461/1859

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 11, 2021
Property Address	658 S COVE RD, MILL SPRING, NC 28756-8800
Document Number	460/648
Book / Page	460 / 648
Map Reference	FILE D PG 882
Instrument Date	Jun 09, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Amount	Amount Recorded
Tax	$943.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	658 S COVE RD, 658, MILL SPRING, NC 28756-8800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 S COVE RD, MILL SPRING, NC 28756-8800

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 29, 2019
Property Address	658 S COVE RD, MILL SPRING, NC 28756-8800
Document Number	000442/274
Book / Page	442 / 274
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	Mar 07, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 S COVE RD, MILL SPRING, NC 28756-8800
Investor	Possibly a Property Investor

Mortgage

Document Number	000442/277
Date	Jul 29, 2019
Book Page	442/277

Lender

Name	BEVERLY HANK MORTGAGE SERVICES

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified June 2026

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,922.00 (+7.66%)	$572,680 (+34.94%) Land $54,200 Building $518,480	$572,680 (+34.94%) Land $54,200 Building $518,480
2023	$2,714.00	$424,401 Land $49,040 Building $375,361
2021			$424,401 Land $49,040 Building $375,361

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499202011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	About 1 in 725 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000
Uniti Group	DSL	200 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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