159 Cairens Ridge Dr, Mills River, NC 28759 Property Records

Henderson County property record for 159 Cairens Ridge Dr, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,744 sqft · built 2016
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Jul 2016)
Tax Bill	$2,294 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9621965487`

Property Details

APN / Parcel Number

Primary APN	`9621965487`
Alternative APN	`1013006`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,744 sqft Heated Area
1st Floor Area	1,744 sqft
Basement Area	1,744 sqft
Unfinished Basement	1,744 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	50,094 sqft (1.15 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1013006
Street Address	159 CAIRENS RIDGE DR
City	MILLS RIVER
State	NC
Zip	28759-0011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1013006~MR
Legal Description	CAIRENS RIDGE LO12 TR PH2 SE BL UN
Legal Subdivision	CAIRNS RIDGE
Legal Phase	2
Legal Tract	P
Legal Block	96
Legal Lot Number	5487
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1030
Census Tract	930702

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	159 CAIRENS RIDGE DR, MILLS RIVER, NC 28759-0011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2017	Deed of Trust, Mortgage FIRST CITIZENS BANK
Oct 19, 2018	Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK
Sep 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED CMNTY BK
Jun 9, 2017	Loan Modification, Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2016 · Amount on Record
Deed Sale	Jul 11, 2016 · Amount on Record
Deed Book / Page	1670 / 492
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	159 CAIRENS RIDGE DR, MILLS RIVER, NC 28759-0011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031130551
Date	Oct 10, 2017
Book Page	3113/551

Lender

Name	FIRST CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	159 CAIRENS RIDGE DR, MILLS RIVER, NC 28759-0011
Document Number	0032670113
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE - PLATINUM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 CAIRENS RIDGE DR MILLS RIVER NC 287590011, MILLS RIVER, NC 28759-0011

Mortgage

Document Number	0032670113
Date	Nov 5, 2018
Book Page	003267/000113
Instrument	893576

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	CASHIERS, NC 28717

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 4, 2043

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	159 CAIRENS RIDGE DR, MILLS RIVER, NC 28759-0011
Document Number	0032540351
Instrument Date	Sep 25, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	159 CAIRENS RIDGE DR MILLS RIVER NC 287590011, MILLS RIVER, NC 28759-0011

Mortgage

Document Number	0032540351
Date	Oct 1, 2018
Book Page	003254/000351
Instrument	891680

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2048

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENDERSON NC
Property Address	159 CAIRENS RIDGE DR, MILLS RIVER, NC 28759-0011
Document Number	0030700606
Book / Page	003070 / 000606
Instrument Date	Jun 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 CAIRENS RIDGE DR MILLS RIVER NC 28759, MILLS RIVER, NC 28759

Mortgage

Document Number	0030700606
Date	Jun 26, 2017
Book Page	003070/000606

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

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		$532,900 (+0.11%) Land $55,500 Building $477,400
2025	$2,294.00
2023		$532,300 Land $54,900 Building $477,400	$532,900 Land $55,500 Building $477,400

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 October 12, 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
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (2013–2026)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2026 · river or lake flooding
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims

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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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 HENDERSONVILLE serves 79,278 people · EPA ID NC0145010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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