103 Gracie Ln, Mills River, NC 28759 Property Records

Henderson County property record for 103 Gracie Ln, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,326 sqft · built 2018
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Oct 2018)
Tax Bill	$2,913 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9633228458`

Property Details

APN / Parcel Number

Primary APN	`9633228458`
Alternative APN	`10001396`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,326 sqft Heated Area
1st Floor Area	2,309 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	30,056 sqft (0.69 acres)
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	232 sqft
Balcony Area	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10001396
Street Address	103 GRACIE LN
City	MILLS RIVER
State	NC
Zip	28759-0038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10001396~M
Legal Description	HIGH VISTA FALLS LO4 PL2017-10697
Legal Block	22
Legal Lot Number	8458
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1017
Census Tract	2303

Owner

Source: Henderson County records, as of July 14, 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	103 GRACIE LN, MILLS RIVER, NC 28759-0038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed, Transfer · Conventional Mortgage POTOMAC MORTGAGE GROUP INC
Mar 21, 2019	Loan Modification, Mortgage MVB BK INC
Feb 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 30, 2018	Warranty Deed, Transfer
Oct 16, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2018 · Amount on Record
Deed Sale	Oct 16, 2018 · Amount on Record
Deed Book / Page	3259 / 627
Last Transfer Date	Jun 11, 2020
Transfer Doc	0035090474
Record Updated	Sep 20, 2026

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON NC
Recording Date	Jun 18, 2020
Property Address	103 GRACIE LN, MILLS RIVER, NC 28759-0038
Document Number	0035090486
Book / Page	3509 / 486
Map Reference	SL 10697
Instrument Date	Jun 5, 2020
Instrument	927054
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	92 GLENWOOD HILL LN, 92, MILLS RIVER, NC 28759-4646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GRACIE LN, MILLS RIVER, NC 28759-0038

Mortgage

Document Number	927055
Date	Jun 18, 2020
Instrument	927055

Lender

Name	POTOMAC MORTGAGE GROUP INC
Type	Non-Lending Institution

Agreement

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

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENDERSON NC
Property Address	103 GRACIE LN, MILLS RIVER, NC 28759-0038
Document Number	0033170662
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GRACIE LN MILLS RIVER NC 28759, MILLS RIVER, NC 28759

Mortgage

Document Number	0033170662
Date	Apr 3, 2019
Book Page	003317/000662
Instrument	901071

Lender

Name	MVB BK INC
Type	Bank

Agreement

Amount	Amount Recorded

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Feb 18, 2019
Property Address	103 GRACIE LN, MILLS RIVER, NC 28759-0038
Document Number	0033000551
Book / Page	003300 / 000551
Instrument Date	Jan 4, 2019
Instrument	898564
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	92 GLENWOOD HILL LN MILLS RIVER NC 287594646, MILLS RIVER, NC 28759-4646

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 30, 2018
Property Address	103 GRACIE LN, MILLS RIVER, NC 28759-0038
Document Number	0032750387
Book / Page	3275 / 387
Instrument Date	Nov 20, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

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
Address	245 RIVERSIDE AVE STE 250, 250, JACKSONVILLE, FL 32202-4944

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Oct 16, 2018
Property Address	103 GRACIE LN, MILLS RIVER, NC 28759-0038
Document Number	0032590627
Book / Page	003259 / 000627
Instrument Date	Oct 16, 2018
Instrument	892498
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	245 RIVERSIDE AVE #250 JACKSONVILLE FL 322024944, 250, JACKSONVILLE, FL 32202-4944

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Henderson County
Municipality	Mills River Town
Unified School District	Henderson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$675,900 (-) Land $187,900 Building $488,000
2025	$2,913.00	$675,900 (-) Land $187,900 Building $488,000
2023		$675,900 Land $187,900 Building $488,000	$675,900 Land $187,900 Building $488,000

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 April 9, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

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