175 McDowell Rd, Mills River, NC 28759 Property Records

Henderson County property record for 175 McDowell Rd, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,375 sqft · built 1970
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jan 2025)
Tax Bill	$1,008 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`9632160641`

Property Details

APN / Parcel Number

Primary APN	`9632160641`
Alternative APN	`1005845`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,375 sqft Heated Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Block
Lot Area	75,359 sqft (1.73 acres)

Exterior Amenities

Pool Area	512 sqft
Porch	Patio
Porch Area	80 sqft
Deck Area	200 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1005845
Street Address	175 MCDOWELL RD
City	MILLS RIVER
State	NC
Zip	28759-2545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1005845~MR
Legal Description	TURNER FAMILY SUBDIVISION LOPT 2.31 AC PL2025-16179
Legal Subdivision	FAMILY SUBD
Legal Block	16
Legal Lot Number	641
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	3
Census Block	3024
Census Tract	930701

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	175 MCDOWELL RD, MILLS RIVER, NC 28759-2545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Oct 3, 2019	Deed of Trust, Mortgage · Conventional with PMI BRANCH BK&TR
Mar 21, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Prior Sale	Jul 3, 2024 · Amount on Record
Deed Document Number	20251025871
Deed Book / Page	4251 / 663
Prior Transfer Date	Jan 3, 2008
Prior Transfer Doc	0013470204
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	175 MCDOWELL RD, MILLS RIVER, NC 28759-2545
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037460001
Date	Jul 12, 2021
Book Page	3746/1
Instrument	957813

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	175 MCDOWELL RD, MILLS RIVER, NC 28759-2545
Document Number	0033980120
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	175 MCDOWELL RD MILLS RIVER NC 287592545, MILLS RIVER, NC 28759-2545

Mortgage

Document Number	0033980120
Date	Oct 10, 2019
Book Page	003398/000120
Instrument	912498

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	175 MCDOWELL RD, MILLS RIVER, NC 28759-2545
Document Number	0033440465
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 MCDOWELL RD MILLS RIVER NC 287592545, MILLS RIVER, NC 28759-2545

Mortgage

Document Number	0033440465
Date	Jun 10, 2019
Book Page	003344/000465
Instrument	905039

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$361,800 (+54.55%) Land $74,600 Building $287,200
2025	$1,008.00	$234,100 (-) Land $74,400 Building $159,700
2023		$234,100 Land $74,400 Building $159,700	$361,800 Land $74,600 Building $287,200

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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 48% of the US · above 70% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

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

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