23 Cedar Dr, Mills River, NC 28759 Property Records

Henderson County property record for 23 Cedar Dr, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,849 sqft · built 2002
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,260 (2025)
Deeds & Mortgages	May 2022 Line of Credit Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9623809901`

Property Details

APN / Parcel Number

Primary APN	`9623809901`
Alternative APNs	`0802349` `802349`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,849 sqft Heated Area
1st Floor Area	1,239 sqft
Upper Floors Area	867 sqft
Basement Area	1,239 sqft
Finished Basement	743 sqft
Unfinished Basement	496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,541 sqft (0.77 acres)
Porch	Slab
Porch Area	165 sqft
Deck Area	658 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	802349
Street Address	23 CEDAR DR
City	MILLS RIVER
State	NC
Zip	28759-2664
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	802349~MR-
Legal Description	HIGH VISTA LO285 PLC-358
Legal Subdivision	HIGH VISTA COUNTRY CLUB, INC. (2175)
Legal Block	80
Legal Lot Number	9901
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	2 Company Names on Record
Mailing Address	23 CEDAR DR, MILLS RIVER, NC 28759-2664
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	23 CEDAR DR, MILLS RIVER, NC 28759-2664
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039100654
Date	May 10, 2022
Book Page	3910/654
Instrument	979352

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	25279

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON NC
Recording Date	Nov 27, 2017
Property Address	23 CEDAR DR, MILLS RIVER, NC 28759-2664
Document Number	0031330449
Book / Page	003133 / 000449
Instrument Date	Nov 20, 2017
Instrument	874403
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 CEDAR DR MILLS RIVER NC 287592664, MILLS RIVER, NC 28759-2664

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	23 CEDAR DR, MILLS RIVER, NC 28759-2664
Document Number	0030780039
Book / Page	003078 / 000039
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Oct 9, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	23 CEDAR DR MILLS RIVER NC 287592664, MILLS RIVER, NC 28759-2664

Mortgage

Document Number	0030780039
Date	Jul 13, 2017
Book Page	003078/000039
Instrument	866592

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2047

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		$524,400 (-) Land $79,700 Building $444,700
2025	$2,260.00
2023		$524,400 Land $79,700 Building $444,700	$524,400 Land $79,700 Building $444,700

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless in parts of the area	50 / 10

May also be available: Optimum, Skyrunner.

Cell Coverage

4G LTE only, no 5G reported

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