7661 Hwy 108 E, Mill Spring, NC 28756 Property Records

Polk County property record for 7661 Hwy 108 E, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,005 sqft · built 1940
Lot Size	5.49 acres (239,144 sqft)
Owner	Company Name on Record
Last Sale	$305,000 (Jun 2022)
Tax Bill	$1,052 (2026)
Deeds & Mortgages	Jun 2022 Sale & Line of Credit Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`P92-26`

Property Details

APN / Parcel Number

Primary APN	`P92-26`
Alternative APN	`55716`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,005 sqft Finished Area
Basement Area	1,005 sqft
Unfinished Basement	1,005 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	239,144 sqft (5.49 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	55716
Street Address	7661 HIGHWAY 108 E
City	MILL SPRING
State	NC
Zip	28756-4709
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	1009
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	Company Name on Record
Mailing Address	2037E COPE CREEK RD, SYLVA, NC 28779-8862
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 29, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Dec 29, 2017 · Amount on Record
Deed Book / Page	470 / 2090
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 21, 2022
Property Address	7661 HIGHWAY 108 E, MILL SPRING, NC 28756-4709
Document Number	00470/2090
Book / Page	470 / 2090
Instrument Date	Jun 17, 2022
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 ERVIN RD, 308, MOORESVILLE, NC 28117-9091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2037 E COPE CREEK RD, SYLVA, NC 28779-8852

Mortgage

Document Number	0004702093
Date	Jun 21, 2022
Instrument	470/2093

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 29, 2017
Property Address	7661 HIGHWAY 108 E, MILL SPRING, NC 28756-4709
Document Number	00430/2064
Book / Page	430 / 2064
Instrument Date	Dec 29, 2017
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Tax	$249.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 ERVIN RD, MOORESVILLE, NC 28117-9091

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	$1,052.00	$206,184 (-) Land $71,532 Building $134,652	$206,184 (-) Land $71,532 Building $134,652
2025	$1,052.00 (+18.87%)	$206,184 (+48.97%) Land $71,532 Building $134,652	$206,184 (+48.97%) Land $71,532 Building $134,652
2023	$885.00	$138,402 Land $47,450 Building $90,952
2021			$138,402 Land $47,450 Building $90,952

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 51% of the US · above 73% 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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