7520 Hwy 108 E, Mill Spring, NC 28756 Property Records

Polk County property record for 7520 Hwy 108 E, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,000 sqft · built 1960
Lot Size	13.5 acres (591,109 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Jun 2020)
Tax Bill	$2,547 (2026)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P92-19`

Property Details

APN / Parcel Number

Primary APN	`P92-19`
Alternative APN	`13162`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,000 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	591,109 sqft (13.5 acres)
Garage Area	768 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	13162
Street Address	7520 HIGHWAY 108 E
City	MILL SPRING
State	NC
Zip	28756-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	400, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1013
Census Tract	920202

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	7520 HIGHWAY 108 E, MILL SPRING, NC 28756-4708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	Dec 31, 1997
Deed Book / Page	449 / 1829
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7520 HIGHWAY 108 E, MILL SPRING, NC 28756-4708
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	459/249
Date	May 6, 2021
Book Page	459/249

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

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

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 26, 2020
Property Address	7520 HIGHWAY 108 E, MILL SPRING, NC 28756-4708
Document Number	00449/1829
Book / Page	449 / 1829
Map Reference	MB 48 PG 177
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Tax	$76.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 LITTLE MOUNTAIN RD, 333, TRYON, NC 28782-6819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7520 HIGHWAY 108 E, MILL SPRING, NC 28756-4708

Mortgage

Document Number	0004491835
Date	Jun 26, 2020
Instrument	449/1835

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

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

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	$2,547.00 (+31.42%)	$499,163 (+31.43%) Land $146,272 Building $352,891	$499,163 (+31.43%) Land $146,272 Building $352,891
2025	$1,938.00 (+34.96%)	$379,792 (+69.12%) Land $146,272 Building $233,520	$379,792 (+69.12%) Land $146,272 Building $233,520
2023	$1,436.00	$224,569 Land $87,850 Building $136,719
2021			$224,569 Land $87,850 Building $136,719

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

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 53% of the US · above 75% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

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

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