6815 Hwy 108 E, Mill Spring, NC 28756 Property Records

Polk County property record for 6815 Hwy 108 E, Mill Spring, NC 28756

Property Summary

Property Type	Other Improved
Lot Size	6.48 acres (282,269 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2021)
Tax Bill	$1,997 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`P82-22`

Property Details

APN / Parcel Number

Primary APN	`P82-22`
Alternative APN	`55410`

Exterior

Lot Area	282,269 sqft (6.48 acres)

Location & Zoning

Account Number	55410
Street Address	6815 HIGHWAY 108 E
City	MILL SPRING
State	NC
Zip	28756-4703
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	OPEN
Legal Description	FR. BILL & ALLAN THOMPSON, ACREAGE IS QUESTIONABLE., 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1008
Census Tract	920202

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	6815 HIGHWAY 108 E, MILL SPRING, NC 28756-4703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · Line of Credit BAY BANK TRUST COMPANY
Sep 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Mar 16, 2004
Deed Book / Page	463 / 1672
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Aug 14, 2026
Property Address	6815 HIGHWAY 108 E, MILL SPRING, NC 28756-4703
Document Number	0501001681
Book / Page	501 / 1681
Instrument Date	Jul 31, 2026
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6815 HIGHWAY 108 E, MILL SPRING, NC 28756-4703

Mortgage

Document Number	0501001681,
Date	Aug 14, 2026
Book Page	501/1681

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 30, 2021
Property Address	6815 HIGHWAY 108 E, MILL SPRING, NC 28756-4703
Document Number	00463/1672
Book / Page	463 / 1672
Instrument Date	Sep 27, 2021
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3148 WINDWARD VILLAGE LN SW, SUPPLY, NC 28462-2153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5663 HOLBERT COVE RD, SALUDA, NC 28773-9555

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	$1,997.00 (+8.06%)	$391,306 (+8.06%) Land $80,690 Building $310,616	$391,306 (+8.06%) Land $80,690 Building $310,616
2025	$1,848.00 (+334.82%)	$362,121 (+444.92%) Land $80,690 Building $281,431	$362,121 (+444.92%) Land $80,690 Building $281,431
2023	$425.00	$66,454 Land $52,400 Building $14,054
2021			$66,454 Land $52,400 Building $14,054

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 48% of the US · above 70% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
Skyrunner Fixed Wireless	25 / 10

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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