95 S Cove Rd, Mill Spring, NC 28756 Property Records

Polk County property record for 95 S Cove Rd, Mill Spring, NC 28756

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,162 sqft · built 2006
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Apr 2022)
Tax Bill	$2,567 (2026)
Deeds & Mortgages	Apr 2022 Sale Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P55-293`

Property Details

APN / Parcel Number

Primary APN	`P55-293`
Alternative APN	`57540`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,162 sqft Finished Area
Basement Area	1,162 sqft
Finished Basement	500 sqft
Unfinished Basement	662 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	89,734 sqft (2.06 acres)
Pool Area	288 sqft
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57540
Street Address	95 S COVE RD
City	MILL SPRING
State	NC
Zip	28756-8760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPEN
Legal Description	LOT #32, LAKE ADGER, 0S06 SOUTH POINTE 09
Legal Subdivision	SOUTH POINTE
Legal Lot Number	32
Jurisdiction	POLK NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1011
Census Tract	920201

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	95 S COVE RD, MILL SPRING, NC 28756-8760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Warranty Deed, Transfer
Dec 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHEVRON FCU
Nov 12, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance CHEVRON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on Record
Deed Sale	Apr 13, 2022 · Amount on Record
Prior Sale	May 5, 2006 · Amount on Record
Deed Book / Page	469 / 363
Prior Transfer Date	Nov 5, 2019
Prior Transfer Doc	00444/1255
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 13, 2022
Property Address	95 S COVE RD, MILL SPRING, NC 28756-8760
Document Number	000469/363
Book / Page	469 / 363
Map Reference	PL C
Instrument Date	Apr 13, 2022
Transaction Type	Transfer
Record Updated	Dec 27, 2022

Transaction

Amount	Amount Recorded
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 LAKE ADGER PKWY, MILL SPRING, NC 28756-0196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 S COVE RD, MILL SPRING, NC 28756-8760

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	95 S COVE RD, MILL SPRING, NC 28756-8760
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	445/720
Date	Dec 16, 2019
Book Page	445/720

Lender

Name	CHEVRON FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2045

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK NC
Recording Date	Nov 12, 2019
Property Address	95 S COVE RD, MILL SPRING, NC 28756-8760
Document Number	00444/1255
Book / Page	444 / 1255
Instrument Date	Nov 5, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 S COVE RD, MILL SPRING, NC 28756-8760

Mortgage

Document Number	444/1260
Date	Nov 12, 2019
Book Page	444/1260

Lender

Name	CHEVRON FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

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	$2,567.00	$502,954 (-) Land $35,300 Building $467,654	$502,954 (-) Land $35,300 Building $467,654
2025	$2,567.00 (+38.08%)	$502,954 (+73%) Land $35,300 Building $467,654	$502,954 (+73%) Land $35,300 Building $467,654
2023	$1,859.00	$290,725 Land $26,360 Building $264,365
2021			$290,725 Land $26,360 Building $264,365

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

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
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	Moderate above 57% of the US · above 79% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

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

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