174 School House Rd, Mills River, NC 28759 Property Records

Henderson County property record for 174 School House Rd, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,009 sqft · built 1979
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Jul 2024)
Tax Bill	$1,612 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9631304738`

Property Details

APN / Parcel Number

Primary APN	`9631304738`
Alternative APNs	`9933435` `1009907`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,009 sqft Heated Area
1st Floor Area	2,109 sqft
Basement Area	2,109 sqft
Finished Basement	900 sqft
Unfinished Basement	1,209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	752 sqft
Deck Area	144 sqft
Patio Area	536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1009907
Street Address	174 SCHOOL HOUSE RD
City	MILLS RIVER
State	NC
Zip	28759-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1009907~MR
Legal Description	JAMES J AYERS & DORIS AYERS TR1 PL2008-7156
Legal Subdivision	SURVEY/JAMES J AYERS & WIFE DO
Legal Tract	1
Legal Block	30
Legal Lot Number	4738
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	2
Census Block	2022
Census Tract	930702

Owner

174 School House Rd is owned and occupied by an individual who bought it in July 2024.

Source: Henderson County records, as of July 14, 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	Individual Name on File
Mailing Address	174 SCHOOL HOUSE RD, MILLS RIVER, NC 28759-9742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 9, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Oct 1, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2024 · Amount on File
Deed Sale	Jul 9, 2024 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Document Number	20241017032
Deed Book / Page	4184 / 633
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	174 SCHOOL HOUSE RD, MILLS RIVER, NC 28759-9742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030680709
Date	Jun 21, 2017
Book Page	3068/709

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	174 SCHOOL HOUSE RD, MILLS RIVER, NC 28759-9742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035580329
Date	Sep 9, 2020
Book Page	3558/329
Instrument	933069

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	174 SCHOOL HOUSE RD, MILLS RIVER, NC 28759-9742
Document Number	0033950496
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	174 SCHOOL HOUSE RD MILLS RIVER NC 287599742, MILLS RIVER, NC 28759-9742

Mortgage

Document Number	0033950496
Date	Oct 4, 2019
Book Page	003395/000496
Instrument	912183

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 11, 2019
Property Address	174 SCHOOL HOUSE RD, MILLS RIVER, NC 28759-9742
Document Number	0032890275
Book / Page	3289 / 275
Instrument Date	Jan 9, 2019
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 SCHOOL HOUSE RD, MILLS RIVER, NC 28759-9742

Tax Assessment & Valuation

The 2025 property tax bill for 174 School House Rd was $1,612.

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		$374,200 Land $58,100 Building $316,100
2025	$1,612.00
2023		$374,200 Land $58,100 Building $316,100	$374,200 Land $58,100 Building $316,100

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

Flood

FEMA maps place 174 School House Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2009.

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	6 in force
Nearby Flood Claims	4 (2009–2024)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

Wildfire risk around 174 School House Rd is moderate, ranking above 46% 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 46% of the US · above 67% 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 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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