39 Clement Dr, Mills River, NC 28759 Property Records

Henderson County property record for 39 Clement Dr, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,610 sqft · built 1966
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Dec 2015)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9631749202`

Property Details

APN / Parcel Number

Primary APN	`9631749202`
Alternative APNs	`0801374` `1012537`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,610 sqft Heated Area
1st Floor Area	2,099 sqft
Basement Area	2,099 sqft
Finished Basement	1,511 sqft
Unfinished Basement	588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	245 sqft
Deck Area	72 sqft
Patio Area	147 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1012537
Street Address	39 CLEMENT DR
City	MILLS RIVER
State	NC
Zip	28759-8736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1012537~MR
Legal Description	ROMSTADT RECOMBINATION LO1.54 PL2009-7939
Legal Subdivision	PROPERTY CHRISTOPHERW ROMSTAD
Legal Block	74
Legal Lot Number	9202
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	2
Census Block	2008
Census Tract	930702

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	39 CLEMENT DR, MILLS RIVER, NC 28759-8736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2015 · Amount on Record
Deed Sale	Dec 16, 2015 · Amount on Record
Prior Sale	Feb 15, 2006 · Amount on Record
Deed Book / Page	1644 / 371
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	39 CLEMENT DR, MILLS RIVER, NC 28759-8736
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0043630511
Date	Nov 13, 2025
Book Page	4363/511
Instrument	1001040221

Lender

Name	HOMETRUST BANK
Type	Bank
Address	PO BOX 10, ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2050

Interest

Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	39 CLEMENT DR, MILLS RIVER, NC 28759-8736
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031270564
Date	Nov 13, 2017
Book Page	3127/564

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.63%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	39 CLEMENT DR, MILLS RIVER, NC 28759-8736
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035540362
Date	Sep 1, 2020
Book Page	3554/362
Instrument	932534

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$490,700 (-) Land $85,700 Building $405,000
2025	$2,114.00
2023		$490,700 Land $85,700 Building $405,000	$490,700 Land $85,700 Building $405,000

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 84 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

May also be available: Riverwave Broadband.

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