20 Pine Dr, Mills River, NC 28759 Property Records

Henderson County property record for 20 Pine Dr, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,391 sqft · built 1999
Lot Size	0.82 acres (35,719 sqft)
Owner	Individual Name on Record
Last Sale	$681,000 (Nov 2021)
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`9622991921`

Property Details

APN / Parcel Number

Primary APN	`9622991921`
Alternative APNs	`00962299192155` `9937949`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,391 sqft Heated Area
1st Floor Area	1,715 sqft
Basement Area	1,716 sqft
Finished Basement	1,544 sqft
Unfinished Basement	172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,719 sqft (0.82 acres)
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	45 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	9937949
Street Address	20 PINE DR
City	MILLS RIVER
State	NC
Zip	28759-2663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9937949~MR
Legal Description	HIGH VISTA LO323 BLIII PLA-292A
Legal Subdivision	HIGH VISTA ESTATES (2198)
Legal Block	99
Legal Lot Number	1921
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	3
Census Block	3020
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	Individual Name on Record
Mailing Address	20 PINE DR, MILLS RIVER, NC 28759-2663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
May 4, 2020	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANKO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Deed Document Number	2021966879
Deed Book / Page	3817 / 81
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 8, 2021
Property Address	20 PINE DR, MILLS RIVER, NC 28759-2663
Document Number	0038170081
Book / Page	3817 / 81
Map Reference	CAB A SL 292A
Instrument Date	Nov 5, 2021
Instrument	966879
Transaction Type	Transfer
Record Updated	Jan 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,362.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	78 BOYD VIEW LN, 78, MILLS RIVER, NC 28759-0099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PINE DR, MILLS RIVER, NC 28759-2663

Mortgage

Document Number	0000966880
Date	Nov 8, 2021
Instrument	966880

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	20 PINE DR, MILLS RIVER, NC 28759-2663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034860506
Date	May 4, 2020
Book Page	3486/506
Instrument	924221

Lender

Name	HOMETRUST BANKO
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$680,100 (-) Land $83,400 Building $596,700
2025	$2,931.00
2023		$680,100 Land $83,400 Building $596,700	$680,100 Land $83,400 Building $596,700

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 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	Low lower than 62% of the US · above 54% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine Dr

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