6855 Hwy 108 E, Mill Spring, NC 28756 Property Records

Polk County property record for 6855 Hwy 108 E, Mill Spring, NC 28756 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 2012
Square Footage	1,500 sqft Finished Area
Lot Size	199,069 sqft (4.57 acres)
Occupancy	Owner Occupied
Last Sale	$299,000 (2021)
Tax Bill	$1,879.00 (2025)

Owner

Source: Polk County records · APN P81-42

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	6855 HIGHWAY 108 E, MILL SPRING, NC 28756-4703
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 06, 2017	Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Mar 06, 2017 · Amount on Record
Deed Doc Number	0004641528
Deed Book / Page	464 / 1528
Record Refreshed	Jun 08, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 29, 2021
Property Address	6855 HIGHWAY 108 E, MILL SPRING, NC 28756-4703
Document Number	00464/1528
Book / Page	464 / 1528
Map Reference	FILE B PG 1323
Instrument Date	Oct 26, 2021
Transaction Type	Transfer
Record Updated	Jan 14, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$598.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 381, COLUMBUS, NC 28722-0381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6855 HIGHWAY 108 E, MILL SPRING, NC 28756-4703

Mortgage

Document Number	0004641532
Date	Oct 29, 2021
Instrument	464/1532

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 01, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 06, 2017
Property Address	6855 HIGHWAY 108 E, MILL SPRING, NC 28756-4703
Document Number	000425/706
Book / Page	425 / 706
Instrument Date	Mar 06, 2017
Instrument	004639500003
Transaction Type	Transfer
Record Updated	Mar 07, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	277 CAMP RD, 277, RUTHERFORDTON, NC 28139-8431

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	PO BOX 381, COLUMBUS, NC 28722-0381

Mortgage

Document Number	425/709
Date	Mar 06, 2017
Book Page	425/709
Instrument	004639510016

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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	$1,879.00 (+5.33%)	$368,319 (+32.03%) Land $78,022 Building $290,297	$368,319 (+32.03%) Land $78,022 Building $290,297
2023	$1,784.00	$278,958 Land $55,350 Building $223,608
2021			$278,958 Land $55,350 Building $223,608

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 806 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`P81-42`
Alternative APN	`54847`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,500 sqft Finished Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Exterior Material	Brick Veneer Exterior
Foundation Type	Retaining Wall Foundation
Roof Material	Shingle Roof
Lot Area	199,069 sqft (4.57 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Carport Garage
Carport	Carport

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	54847
Street Address	6855 HIGHWAY 108 E
City	MILL SPRING
State	NC
Zip	28756-4703
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	400, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Minor Civil Division	WHITE OAK
Census Blockgroup	1
Census Block	1008
Census Tract	920202

6855 Hwy 108 E, Mill Spring, NC 28756 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on Hwy 108 E

Nearby Streets

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