81 Spruce Pine Ln, Mill Spring, NC 28756 Property Records

Polk County property record for 81 Spruce Pine Ln, Mill Spring, NC 28756 · Last verified October 2025

Property Summary

Property Type	Other Improved
Details	4 bd · 4 ba · 1,194 sqft · built 2001
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$583,000 (Jun 2020)
Tax Bill	$3,380 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P55-275`

Property Details

APN / Parcel Number

Primary APN	`P55-275`
Alternative APN	`38949`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,194 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Logs
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	38949
Street Address	81 SPRUCE PINE LN
City	MILL SPRING
State	NC
Zip	28756-6817
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT #14, LAKE ADGER & D-1048, 0S06 SOUTH POINTE 09
Legal Subdivision	SOUTH POINTE
Legal Lot Number	14
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1002
Census Tract	920201

Owner

Source: Polk County records · APN P55-275

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	851 W HIGHLAND AVE, REDLANDS, CA 92373-6779
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2017	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NAVY FCU
Mar 18, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jun 03, 2020	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 03, 2020 · Amount on Record
Deed Sale	Jun 03, 2020 · Amount on Record
Prior Sale	May 03, 2010 · Amount on Record
Deed Document Number	0000449467
Deed Book / Page	449 / 467
Record Updated	Jun 08, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	81 SPRUCE PINE LN, MILL SPRING, NC 28756-6817
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00429/1004
Date	Oct 13, 2017
Book Page	429/1004
Instrument	004666020010

Lender

Name	NAVY FCU
Type	Credit Union
Address	HONAKER, VA 24260

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Nov 01, 2022

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	81 SPRUCE PINE LN, MILL SPRING, NC 28756-6817
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00457/1391
Date	Mar 18, 2021
Book Page	457/1391

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 03, 2020
Property Address	81 SPRUCE PINE LN, MILL SPRING, NC 28756-6817
Document Number	000449/467
Book / Page	449 / 467
Map Reference	FILE D PG 368
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,166.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 RAINBOW DR # 13059, 230, LIVINGSTON, TX 77399-2030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 CONNECTICUT AVE, SPARTANBURG, SC 29302-2158

Mortgage

Document Number	0000449473
Date	Jun 03, 2020
Instrument	449/473

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2040

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

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	$3,380.00 (+25.51%)	$662,225 (+57.28%) Land $150,000 Building $512,225	$662,225 (+57.28%) Land $150,000 Building $512,225
2023	$2,693.00	$421,048 Land $90,000 Building $331,048
2021			$421,048 Land $90,000 Building $331,048

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499202011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	About 1 in 775 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	DSL	50 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Skyrunner, Spectrum, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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