78 Cove Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 78 Cove Ln, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,958 sqft · built 2003
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Company Names on Record
Last Sale	$975,000 (Feb 2024)
Tax Bill	$4,447 (2026)
Deeds & Mortgages	Jun 2026 Sale Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P55-229`

Property Details

APN / Parcel Number

Primary APN	`P55-229`
Alternative APN	`52322`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,958 sqft Finished Area
Basement Area	1,808 sqft
Finished Basement	1,808 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	52322
Street Address	78 COVE LN
City	MILL SPRING
State	NC
Zip	28756-8814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT #24, LAKE ADGER, 0S05 SOUTH COVE 09
Legal Subdivision	SOUTH COVE
Legal Lot Number	24
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
Census Tract	920201

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 Company Names on Record
Mailing Address	78 COVE LN, MILL SPRING, NC 28756-8814
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 15, 2024	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on Record
Deed Sale	Feb 15, 2024 · Amount on Record
Prior Sale	Jun 26, 2014
Deed Book / Page	483 / 1308
Prior Transfer Date	Jun 23, 2014
Prior Transfer Doc	00407/0434
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 8, 2026
Property Address	78 COVE LN, MILL SPRING, NC 28756-8814
Document Number	0500000711
Book / Page	500 / 711
Instrument Date	Jun 5, 2026
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	78 COVE LN, MILL SPRING, NC 28756-8814

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 15, 2024
Property Address	78 COVE LN, MILL SPRING, NC 28756-8814
Document Number	00483/1308
Book / Page	483 / 1308
Map Reference	FILE D PG 23
Instrument Date	Feb 9, 2024
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	380 VILLAGE DR, SAINT AUGUSTINE, FL 32084-9059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 COVE LN, MILL SPRING, NC 28756-8814

Mortgage

Document Number	0004831312
Date	Feb 15, 2024
Instrument	483/1312

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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	$4,447.00	$871,394 (-) Land $150,000 Building $721,394	$871,394 (-) Land $150,000 Building $721,394
2025	$4,447.00 (+61.42%)	$871,394 (+102.27%) Land $150,000 Building $721,394	$871,394 (+102.27%) Land $150,000 Building $721,394
2023	$2,755.00	$430,813 Land $90,000 Building $340,813
2021			$430,813 Land $90,000 Building $340,813

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 52% of the US · above 74% 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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