940 Hawk Ridge Dr, Mill Spring, NC 28756 Property Records

Polk County property record for 940 Hawk Ridge Dr, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,195 sqft · built 2016
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$1,275,000 (Dec 2025)
Tax Bill	$6,108 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P55-240`

Property Details

APN / Parcel Number

Primary APN	`P55-240`
Alternative APN	`53624`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Building Area	3,195 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	619 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Location & Zoning

Account Number	53624
Street Address	940 HAWK RIDGE DR
City	MILL SPRING
State	NC
Zip	28756-7641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT #3, LAKE ADGER, 0H01 HAWK RIDGE 09
Legal Subdivision	HAWK RIDGE
Legal Lot Number	3
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
Census Tract	920201

Owner

940 Hawk Ridge Dr is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Dec 15, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 25, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE INSURANCE CO
Jun 29, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on File
Deed Sale	Dec 15, 2025 · Amount on File
Prior Sale	Jun 29, 2020 · Amount on File
Deed Book / Page	496 / 959
Prior Transfer Date	Mar 22, 2022
Prior Transfer Doc	00468/1424
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00467/1248
Date	Feb 14, 2022
Book Page	467/1248

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 15, 2025
Property Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641
Document Number	000496/959
Book / Page	496 / 959
Map Reference	MB 267 PG 574
Instrument Date	Dec 15, 2025
Transaction Type	Transfer
Record Updated	Jan 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	822 W 4TH ST # ST407, ST407, WINSTON SALEM, NC 27101-2816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641

Mortgage

Document Number	0000496969
Date	Dec 15, 2025
Instrument	496/969

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.2%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Mar 25, 2022
Property Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641
Document Number	00468/1424
Book / Page	468 / 1424
Map Reference	FILE D PG 718
Instrument Date	Mar 22, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 29, 2020
Property Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641
Document Number	00449/2002
Book / Page	449 / 2002
Map Reference	FILE D PG 718
Instrument Date	Jun 29, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	940 HAWK RIDGE DR, 940, MILL SPRING, NC 28756-7641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 HAWK RIDGE DR, MILL SPRING, NC 28756-7641

Mortgage

Document Number	0004492006
Date	Jun 29, 2020
Instrument	449/2006

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Mortgage

Document Number	00449/2026
Date	Jun 29, 2020
Book Page	449/2026

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 940 Hawk Ridge Dr was $6,108.

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	$6,108.00	$1,196,727 (-) Land $150,000 Building $1,046,727	$1,196,727 (-) Land $150,000 Building $1,046,727
2025	$6,108.00	$1,196,727 Land $150,000 Building $1,046,727	$1,196,727 Land $150,000 Building $1,046,727
2023	$4,901.00	$766,155 Land $100,000 Building $666,155
2021			$766,155 Land $100,000 Building $666,155

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

Flood

FEMA maps place 940 Hawk Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 940 Hawk Ridge Dr is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Pangaea Internet.

Cell Coverage

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

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