Henderson County property record for 40 Clement Dr, Mills River, NC 28759
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 1962 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,155 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jan 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9631841022 |
| Primary APN | 9631841022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,104 sqft Heated Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 56 sqft |
| Patio Area | 410 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 801589 |
|---|---|
| Street Address | 40 CLEMENT DR |
| City | MILLS RIVER |
| State | NC |
| Zip | 28759-8736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 801589~MR- |
| Legal Description | 40 CLEMENT DRIVE |
| Legal Block | 84 |
| Legal Lot Number | 1022 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | MILLS RIVER |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 930702 |
40 Clement Dr is owned and occupied by two individuals who acquired it in August 2014.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 12, 2026 | Warranty Deed, Transfer |
| Dec 23, 2025 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 26, 2014 |
| Transfer Doc | 0015870181 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 40 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0039230628 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 3923/628 |
| Instrument | 981065 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | HENDERSONVILLE, NC 28793 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Jan 12, 2026 |
| Property Address | 40 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Document Number | 0043860427 |
| Book / Page | 4386 / 427 |
| Map Reference | SL 16727 |
| Instrument Date | Jan 8, 2026 |
| Instrument | 1001043074 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2860, WEST LAFAYETTE, IN 47996-2860 |
| Name | Verified Name |
|---|---|
| Address | 40 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HENDERSON NC |
| Recording Date | Dec 23, 2025 |
| Property Address | 40 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Document Number | 0043800629 |
| Book / Page | 4380 / 629 |
| Map Reference | SL 16727 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 1001042343 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
The 2025 property tax bill for 40 Clement Dr was $1,155.
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 | $268,000 (-) Land $66,800 Building $201,200 | ||
| 2025 | $1,155.00 | $268,000 Land $66,800 Building $201,200 | |
| 2024 | $1,155.00 | ||
| 2023 | $268,000 Land $66,800 Building $201,200 | $268,000 Land $66,800 Building $201,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Clement Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2009.
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 |
|
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 risk around 40 Clement Dr is low, with a 0.02% annual chance of 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.
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 |
| 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.
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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