9090 Hwy 108 E, Mill Spring, NC 28756 Property Records

Polk County property record for 9090 Hwy 108 E, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1970
Lot Size	2.24 acres (97,574 sqft)
Owner	2 Individual Names on File
Last Sale	$152,500 (Aug 2020)
Tax Bill	$692 (2025)
Deeds & Mortgages	Feb 2019 Refinance Feb 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P92-59`

Property Details

APN / Parcel Number

Primary APN	`P92-59`
Alternative APN	`56593`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,040 sqft Finished Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	97,574 sqft (2.24 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	56593
Street Address	9090 HIGHWAY 108 E
City	MILL SPRING
State	NC
Zip	28756-5783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	2.24 ACRES, 400 400 COUNTY RURAL
Legal Subdivision	COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1024
Census Tract	920202

Owner

Source: Polk County records · APN P92-59

Assessment roll updated September 30, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Feb 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Aug 13, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 19, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZEN B&T CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Book / Page	451 / 115
Record Updated	Jun 08, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	438/1435
Date	Feb 13, 2019
Book Page	438/1435

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	438/1435
Date	Feb 13, 2019
Book Page	438/1435

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 13, 2020
Property Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783
Document Number	000451/115
Book / Page	451 / 115
Map Reference	FILE F PG 857
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	Mar 07, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 RACEWAY DR, 224, MILL SPRING, NC 28756-0135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783

Mortgage

Document Number	000451/118
Date	Aug 13, 2020
Book Page	451/118

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 19, 2018
Property Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783
Document Number	00437/1951
Book / Page	437 / 1951
Instrument Date	Dec 14, 2018
Transaction Type	Transfer
Record Updated	Mar 07, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9090 HIGHWAY 108 E, MILL SPRING, NC 28756-5783
Investor	Possibly a Property Investor

Mortgage

Document Number	00437/1955
Date	Dec 19, 2018
Book Page	437/1955

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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	$692.00 (+13.44%)	$135,748 (+42.35%) Land $41,470 Building $94,278	$135,748 (+42.35%) Land $41,470 Building $94,278
2023	$610.00	$95,364 Land $31,200 Building $64,164
2021			$95,364 Land $31,200 Building $64,164

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	300 / 20

May also be available: Verizon.

Based on FCC filings for 15 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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