Polk County property record for 7525 Hwy 108 E, Mill Spring, NC 28756 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,034 sqft · built 1992 |
| Lot Size | 3.64 acres (158,558 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $977 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | P92-23 |
| Primary APN | P92-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,034 sqft Finished Area |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 158,558 sqft (3.64 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 15498 |
|---|---|
| Street Address | 7525 HIGHWAY 108 E |
| City | MILL SPRING |
| State | NC |
| Zip | 28756-4708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FROM MARVIN L. PHILLIPS, 400 400 COUNTY RURAL |
| Legal Subdivision | COUNTY RURAL |
| Jurisdiction | POLK NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 920202 |
Source: Polk County records · APN P92-23
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 | 7525 HIGHWAY 108 E, MILL SPRING, NC 28756-4708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0001971236 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 7525 HIGHWAY 108 E, MILL SPRING, NC 28756-4708 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7525 HIGHWAY 108 E, MILL SPRING, NC 28756-4708 |
| Document Number | 00468/1194 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 468/1194 |
| Name | HOME TRUST BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
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 | $977.00 (+5.28%) | $191,435 (+31.9%) Land $54,420 Building $137,015 | $191,435 (+31.9%) Land $54,420 Building $137,015 |
| 2023 | $928.00 | $145,137 Land $38,200 Building $106,937 | |
| 2021 | $145,137 Land $38,200 Building $106,937 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 53% of the US · above 75% 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 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 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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