767 Pea Rdg Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 767 Pea Rdg Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,814 sqft · built 1987
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Jun 2025)
Tax Bill	$1,172 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P93-72`

Property Details

APN / Parcel Number

Primary APN	`P93-72`
Alternative APN	`12343`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,814 sqft Finished Area
Basement Area	907 sqft
Unfinished Basement	907 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	37,026 sqft (0.85 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	12343
Street Address	767 PEA RIDGE RD
City	MILL SPRING
State	NC
Zip	28756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	FR JESSE FOY, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1020
Census Tract	920101

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	767 PEA RIDGE RD, MILL SPRING, NC 28756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Intrafamily Transfer, Transfer · Line of Credit STATE EMPLOYEES CU
Jun 11, 2025	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK
Nov 21, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2025 · Amount on Record
Deed Sale	Jun 11, 2025 · Amount on Record
Prior Sale	Sep 2, 1999
Deed Book / Page	492 / 1377
Last Transfer Date	Jan 30, 2026
Transfer Doc	000497/713
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Feb 4, 2026
Property Address	767 PEA RIDGE RD, MILL SPRING, NC 28756
Document Number	000497/713
Book / Page	497 / 713
Instrument Date	Jan 30, 2026
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	767 PEA RIDGE RD, MILL SPRING, NC 28756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	767 PEA RIDGE RD, MILL SPRING, NC 28756

Mortgage

Document Number	0000497716
Date	Feb 4, 2026
Instrument	497/716

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 11, 2025
Property Address	767 PEA RIDGE RD, MILL SPRING, NC 28756
Document Number	00492/1377
Book / Page	492 / 1377
Map Reference	FILE G PG 792
Instrument Date	Jun 10, 2025
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 JOHN HIGH RD, CAMPOBELLO, SC 29322-8690

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	767 PEA RIDGE RD, MILL SPRING, NC 28756

Mortgage

Document Number	0004921383
Date	Jun 11, 2025
Instrument	492/1383

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2040

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Nov 21, 2022
Property Address	767 PEA RIDGE RD, MILL SPRING, NC 28756
Document Number	00474/1299
Book / Page	474 / 1299
Instrument Date	Nov 18, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6045 HIGHWAY 108 E, MILL SPRING, NC 28756-5799

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6045 HIGHWAY 108 E, MILL SPRING, NC 28756-5799

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	$1,172.00	$229,675 (-) Land $25,500 Building $204,175	$229,675 (-) Land $25,500 Building $204,175
2025	$1,172.00 (+2.36%)	$229,675 (+28.27%) Land $25,500 Building $204,175	$229,675 (+28.27%) Land $25,500 Building $204,175
2023	$1,145.00	$179,061 Land $21,250 Building $157,811
2021			$179,061 Land $21,250 Building $157,811

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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