8144 Hwy 108 E, Mill Spring, NC 28756 Property Records

Polk County property record for 8144 Hwy 108 E, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1940
Lot Size	3.64 acres (158,558 sqft)
Owner	Individual Name on File
Last Sale	$129,500 (Jun 2020)
Tax Bill	$777 (2025)
Deeds & Mortgages	Apr 2019 Refinance Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P92-208`

Property Details

APN / Parcel Number

Primary APN	`P92-208`
Alternative APN	`54268`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	816 sqft Finished Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	158,558 sqft (3.64 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	54268
Street Address	8144 HIGHWAY 108 E
City	MILL SPRING
State	NC
Zip	28756-5775
Property Category	Residential
Property Type	Residential > Single Family > Home
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	1017
Census Tract	920202

Owner

Source: Polk County records · APN P92-208

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	8144 HIGHWAY 108 E, MILL SPRING, NC 28756-5775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 03, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 29, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Prior Sale	Aug 01, 2016 · Amount on Record
Deed Document Number	0004492040
Deed Book / Page	449 / 2040
Record Updated	Jun 08, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	8144 HIGHWAY 108 E, MILL SPRING, NC 28756-5775
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00439/1462
Date	Apr 03, 2019
Book Page	439/1462

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2034

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 29, 2020
Property Address	8144 HIGHWAY 108 E, MILL SPRING, NC 28756-5775
Document Number	00449/2040
Book / Page	449 / 2040
Map Reference	FILE F PG 536
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8144 HIGHWAY 108 E, 8144, MILL SPRING, NC 28756-5775

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004492043
Date	Jun 29, 2020
Instrument	449/2043

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$777.00 (+6.58%)	$152,383 (+33.71%) Land $54,420 Building $97,963	$152,383 (+33.71%) Land $54,420 Building $97,963
2023	$729.00	$113,967 Land $38,200 Building $75,767
2021			$113,967 Land $38,200 Building $75,767

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 8, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 31 locations within half a mile of this property.

Cell Coverage

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

Nearby Properties on Hwy 108 E

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