5 Split Creek Ct, Mills River, NC 28759 Property Records

Buncombe County property record for 5 Split Creek Ct, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,465 sqft · built 2000
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$705,000 (Jul 2026)
Tax Bill	$2,637 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`738880-2020-202`

Property Details

APN / Parcel Number

Primary APN	`738880-2020-202`
Alternative APNs	`9633-31-8935-00000` `963303317868000` `008221968`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,465 sqft Living Area
Gross Area	3,246 sqft
1st Floor Area	2,212 sqft
Basement Area	228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	553 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	79 sqft
Deck Area	296 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	738880-2020-202
Street Address	5 SPLIT CREEK CT
City	MILLS RIVER
State	NC
Zip	28759-3171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIV: HIGH VISTA FALLS LOT: 84 PLAT: 0208-0137
Legal Subdivision	HIGH VISTA FALLS
Legal Block	1
Legal Lot Number	84
Jurisdiction	BUNCOMBE NC
Township / Civil Division	AVERY CREEK
Census Block Group	1
Census Block	1015
Census Tract	2303

Owner

Source: Buncombe County records, as of July 30, 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	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FEDERAL CREDIT UNION
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jun 17, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Oct 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	Jun 17, 2020 · Amount on Record
Deed Document Number	2026
Deed Book / Page	6613 / 494
Prior Transfer Date	Oct 5, 2017
Prior Transfer Doc	0055981894
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jul 20, 2026
Property Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171
Document Number	6613000494
Book / Page	6613 / 494
Instrument Date	Jul 17, 2026
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171

Mortgage

Document Number	6613000497,
Date	Jul 20, 2026
Book Page	6613/497

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.79%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171

Mortgage

Document Number	0062481743
Date	Aug 15, 2022
Book Page	6248/1743

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUNCOMBE NC
Property Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061091798
Date	Aug 23, 2021
Book Page	6109/1798

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

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

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Jun 17, 2020
Property Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171
Document Number	0059101933
Book / Page	5910 / 1933
Map Reference	MB 72 PG 131
Instrument Date	Jun 10, 2020
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8029 PAWLEYS CT, 8029, INDIAN LAND, SC 29707-0068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171

Mortgage

Document Number	59101939
Date	Jun 17, 2020
Instrument	5910/1939

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUNCOMBE NC
Recording Date	Oct 10, 2017
Property Address	5 SPLIT CREEK CT, MILLS RIVER, NC 28759-3171
Document Number	0055981894
Book / Page	005598 / 001894
Instrument Date	Oct 5, 2017
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5 SPLIT CREEK CT MILLS RIVER NC 287593171, MILLS RIVER, NC 28759-3171

Tax Assessment & Valuation

Source: Buncombe County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Buncombe County
Unified School District	Buncombe County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,637.00 (+4.68%)	$409,200 (-) Land $78,500 Building $330,700	$409,200 (-) Land $78,500 Building $330,700
2024	$2,519.00 (+3.32%)
2023	$2,438.00	$409,200	$409,200 (-) Land $78,500 Building $330,700
2021			$409,200 Land $78,500 Building $330,700

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 April 9, 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.07% 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 ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum.

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