92 Island View Ct, Mill Spring, NC 28756 Property Records

Polk County property record for 92 Island View Ct, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,780 sqft · built 2006
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Mar 2026)
Tax Bill	$4,197 (2026)
Deeds & Mortgages	Feb 2009 Mortgage Jul 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`P55-320`

Property Details

APN / Parcel Number

Primary APN	`P55-320`
Alternative APN	`26090`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,780 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	636 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	26090
Street Address	92 ISLAND VIEW CT
City	MILL SPRING
State	NC
Zip	28756-8720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT #13, PARKWAY VIEW, 0P08 PARKWAY VIEW 09
Legal Subdivision	PARKWAY VIEW
Legal Lot Number	13
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1001
Census Tract	920201

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2009	Deed of Trust, Mortgage · Conventional Mortgage BRADFORD MORTGAGE CO
Jul 13, 2010	Deed of Trust, Mortgage · Conventional Mortgage NEWBRIDGE BANK
Feb 23, 2007	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN 1ST BANK & TRUST CO
Mar 29, 2006	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN 1ST BANK & TRUST CO
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 27, 2024	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Sep 20, 2011
Deed Book / Page	498 / 204
Prior Transfer Date	Mar 19, 2024
Prior Transfer Doc	000484/953
Record Updated	Oct 29, 2026

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00370/1460
Date	Feb 2, 2009
Book Page	370/1460

Lender

Name	BRADFORD MORTGAGE CO
Type	Lending Institution
Address	WINSTON SALEM, NC 27101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2039

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00381/1361
Date	Jul 13, 2010
Book Page	381/1361

Lender

Name	NEWBRIDGE BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2025

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00351/0066
Date	Feb 23, 2007
Book Page	351/0066

Lender

Name	MOUNTAIN 1ST BANK & TRUST CO
Type	Bank
Address	HENDERSONVILLE, NC 28792

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2037

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00339/1266
Date	Mar 29, 2006
Book Page	339/1266

Lender

Name	MOUNTAIN 1ST BANK & TRUST CO
Type	Bank
Address	HENDERSONVILLE, NC 28792

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 24, 2007

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 10, 2026
Property Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Document Number	000498/204
Book / Page	498 / 204
Map Reference	MB 241 PG 120
Instrument Date	Feb 12, 2026
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	770 SUMMERWOOD LN SW, VERO BEACH, FL 32962-7061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Investor	Possibly a Property Investor

Mortgage

Document Number	0000498208
Date	Mar 10, 2026
Instrument	498/208

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.2%

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Mar 27, 2024
Property Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720
Document Number	000484/953
Book / Page	484 / 953
Map Reference	CARD D PG 294
Instrument Date	Mar 19, 2024
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	92 ISLAND VIEW CT, MILL SPRING, NC 28756-8720

Tax Assessment & Valuation

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	$4,197.00	$822,474 (-) Land $170,000 Building $652,474	$822,474 (-) Land $170,000 Building $652,474
2025	$4,197.00 (+29.9%)	$822,474 (+62.8%) Land $170,000 Building $652,474	$822,474 (+62.8%) Land $170,000 Building $652,474
2023	$3,231.00	$505,200 Land $90,000 Building $415,200
2021			$505,200 Land $90,000 Building $415,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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.

Wildfire

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: Skyrunner, Spectrum, Verizon.

Cell Coverage

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

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