866 Henry Ruff Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 866 Henry Ruff Rd, Mill Spring, NC 28756 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 2000
Square Footage	1,056 sqft Finished Area
Lot Size	217,800 sqft (5 acres)
Last Sale	$637,000 (2025)
Tax Bill	$999.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`P40-51`
Alternative APN	`28955`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	1,056 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Wood Siding Exterior
Foundation Type	Block Foundation
Roof Material	Other (not Classified) Roof
Lot Area	217,800 sqft (5 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Electric Heating

Location & Zoning

Account Number	28955
Street Address	866 HENRY RUFF RD
City	MILL SPRING
State	NC
Zip	28756-5649
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	5.00 ACRES, 500 500 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Minor Civil Division	COOPER GAP
Census Blockgroup	3
Census Block	3027
Census Tract	920201

Owner

Source: Polk County records · APN P40-51

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	909 PEARSON FALLS RD, SALUDA, NC 28773-9906
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 26, 2020	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2025 · Amount on Record
Deed Sale	Jul 01, 2025 · Amount on Record
Prior Sale	Feb 26, 2020 · Amount on Record
Deed Doc Number	0000493186
Deed Book / Page	493 / 186
Record Refreshed	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	866 HENRY RUFF RD, MILL SPRING, NC 28756-5649
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00470/1361
Date	Jun 08, 2022
Book Page	470/1361

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 01, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year TN
Max Rate	8.75%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 26, 2020
Property Address	866 HENRY RUFF RD, MILL SPRING, NC 28756-5649
Document Number	00446/2112
Book / Page	446 / 2112
Instrument Date	Feb 22, 2020
Transaction Type	Transfer
Record Updated	Mar 07, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	866 HENRY RUFF RD, MILL SPRING, NC 28756-5649

Mortgage

Document Number	0004462115
Date	Feb 26, 2020
Instrument	446/2115

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00446/2112
Date	Feb 26, 2020
Book Page	446/2112

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$999.00 (+32.85%)	$198,868 (+69.83%) Land $62,000 Building $136,868	$198,868 (+69.83%) Land $62,000 Building $136,868
2023	$752.00	$117,100 Land $40,000 Building $77,100
2021			$117,100 Land $40,000 Building $77,100

866 Henry Ruff Rd, Mill Spring, NC 28756 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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