45 Hemlock Rd, Mills River, NC 28759 Property Records

Henderson County property record for 45 Hemlock Rd, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,050 sqft · built 1958
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2025)
Tax Bill	$860 (2025)
Deeds & Mortgages	Apr 2025 Foreclosure Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9519994578`

Property Details

APN / Parcel Number

Primary APN	`9519994578`
Alternative APNs	`00951999457855` `9958015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,050 sqft Heated Area
1st Floor Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Utility Building	160 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Other

Location & Zoning

Account Number	9958015
Street Address	45 HEMLOCK RD
City	MILLS RIVER
State	NC
Zip	28759-9545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9958015~MR
Legal Description	ALEXANDER LO10PT PLB-317A
Legal Subdivision	ALEXANDER (1646)
Legal Block	99
Legal Lot Number	4578
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1010
Census Tract	930703

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	45 HEMLOCK RD, MILLS RIVER, NC 28759-9545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2025	Public Action, Foreclosure · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 12, 2019	Warranty Deed, Transfer FRENDA M AUSTIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	20251029985
Deed Book / Page	4283 / 599
Prior Transfer Date	Jun 18, 2007
Prior Transfer Doc	0013220739
Record Updated	Oct 29, 2026

April 2025: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	HENDERSON NC
Recording Date	Apr 25, 2025
Property Address	45 HEMLOCK RD, MILLS RIVER, NC 28759-9545
Document Number	0042830599
Book / Page	4283 / 599
Map Reference	MB 4 PG 54
Instrument Date	Apr 16, 2025
Instrument	1001029985
Transaction Type	Foreclosure
Record Updated	Jan 15, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 GT DR, CANDLER, NC 28715-8289

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HEMLOCK RD, MILLS RIVER, NC 28759-9545

Mortgage

Document Number	1001029986
Date	Apr 25, 2025
Instrument	1001029986

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 12, 2019
Property Address	45 HEMLOCK RD, MILLS RIVER, NC 28759-9545
Document Number	0033710619
Book / Page	003371 / 000619
Instrument Date	Aug 9, 2019
Instrument	908859
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HEMLOCK RD MILLS RIVER NC 287599545, MILLS RIVER, NC 28759-9545

Mortgage

Document Number	33710622
Date	Aug 12, 2019
Book Page	003371/000622
Instrument	908860

Lender

Name	FRENDA M AUSTIN
Address	73 FREDDY AUSTIN DR, MILLS RIVER, NC 28759-7663
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 11, 2029

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		$199,700 (-) Land $51,400 Building $148,300
2025	$860.00	$199,700 (-) Land $51,400 Building $148,300
2024	$860.00
2023		$199,700 Land $51,400 Building $148,300	$199,700 Land $51,400 Building $148,300

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	1 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2009 · river or lake flooding

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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MAPLE HILLS MHP private · serves 185 people · EPA ID NC0145115
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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