Henderson County property record for 196 McDowell Rd, Mills River, NC 28759
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,456 sqft · built 1993 |
| Lot Size | 1.36 acres (59,242 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,279 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9632074229 |
| Primary APN | 9632074229 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,456 sqft Heated Area |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 1,456 sqft |
| Unfinished Basement | 1,456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 59,242 sqft (1.36 acres) |
| Porch | Slab |
| Porch Area | 312 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 9948074 |
|---|---|
| Street Address | 196 MCDOWELL RD |
| City | MILLS RIVER |
| State | NC |
| Zip | 28759-2545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 9948074~MR |
| Legal Description | ON MCDOWELL CRK RD |
| Legal Subdivision | MCDOWELL CRK |
| Legal Block | 7 |
| Legal Lot Number | 4229 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | MILLS RIVER |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 930701 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 208 MCDOWELL RD, MILLS RIVER, NC 28759-2628 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK |
| Apr 6, 2018 | Deed of Trust, Mortgage FIRST CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 18, 2017 |
| Transfer Doc | 0030090255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 196 MCDOWELL RD, MILLS RIVER, NC 28759-2545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031580557 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | 3158/557 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 196 MCDOWELL RD, MILLS RIVER, NC 28759-2545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031830242 |
|---|---|
| Date | Apr 6, 2018 |
| Book Page | 3183/242 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Municipality | Mills River Town |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $322,400 (+8.59%) Land $67,200 Building $255,200 | ||
| 2025 | $1,279.00 | $296,900 (-7.91%) Land $67,200 Building $229,700 | |
| 2023 | $322,400 Land $67,200 Building $255,200 | $322,400 Land $67,200 Building $255,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 12, 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.
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 | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
5G (outdoors only) and 4G LTE
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