823 Hwy 9 S, Mill Spring, NC 28756 Property Records

Polk County property record for 823 Hwy 9 S, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,609 sqft · built 1992
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,691 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P83-140`

Property Details

APN / Parcel Number

Primary APN	`P83-140`
Alternative APN	`36271`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	3,609 sqft Finished Area
Basement Area	2,296 sqft
Unfinished Basement	2,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2015
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	97,139 sqft (2.23 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	36271
Street Address	823 HIGHWAY 9 S
City	MILL SPRING
State	NC
Zip	28756-8701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.23 ACRES, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1032
Census Tract	920202

Owner

823 Hwy 9 S is owned and occupied by two individuals who acquired it in July 2021.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	823 HIGHWAY 9 S, MILL SPRING, NC 28756-8701
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit INDECOMM GLOBAL SERVICES
Mar 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Jul 1, 2021	Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021
Deed Sale	Jul 1, 2021
Prior Sale	Feb 19, 1990
Deed Book / Page	460 / 2407
Prior Transfer Date	Jun 29, 2021
Prior Transfer Doc	00460/2407
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Jul 7, 2026
Property Address	823 HIGHWAY 9 S, MILL SPRING, NC 28756-8701
Document Number	0500002263
Book / Page	500 / 2263
Instrument Date	Jun 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 HIGHWAY 9 S, MILL SPRING, NC 28756-8701

Mortgage

Document Number	0500002263,
Date	Jul 7, 2026
Book Page	500/2263

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 23, 2036

Interest

Rate	6.53%
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	823 HIGHWAY 9 S, MILL SPRING, NC 28756-8701
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000439/490
Date	Mar 15, 2019
Book Page	439/490

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Jul 1, 2021
Property Address	823 HIGHWAY 9 S, MILL SPRING, NC 28756-8701
Document Number	00460/2407
Book / Page	460 / 2407
Instrument Date	Jun 29, 2021
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 HIGHWAY 9 S, MILL SPRING, NC 28756-8701

Mortgage

Document Number	0004602411
Date	Jul 1, 2021
Instrument	460/2411

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	334 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 823 Hwy 9 S was $4,691.

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	$4,691.00	$919,262 (-) Land $41,377 Building $877,885	$919,262 (-) Land $41,377 Building $877,885
2025	$4,691.00	$919,262 Land $41,377 Building $877,885	$919,262 Land $41,377 Building $877,885
2023	$4,453.00	$696,235 Land $31,150 Building $665,085
2021			$696,235 Land $31,150 Building $665,085

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 823 Hwy 9 S in Zone X, an area of minimal flood risk.

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

Wildfire risk around 823 Hwy 9 S is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 72% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Pangaea Internet Fiber	500 / 500
Skyrunner Fixed Wireless	500 / 250

Cell Coverage

4G LTE only, no 5G reported

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