520 Morris Rd, Mills River, NC 28759 Property Records

Henderson County property record for 520 Morris Rd, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,756 sqft · built 2015
Lot Size	2.92 acres (127,195 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Jan 2015)
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9631249947`

Property Details

APN / Parcel Number

Primary APN	`9631249947`
Alternative APNs	`00963124994755` `9933380`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,756 sqft Heated Area
1st Floor Area	1,756 sqft
Basement Area	1,756 sqft
Unfinished Basement	1,756 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	127,195 sqft (2.92 acres)
Garage Type	Mixed
Garage Area	2,908 sqft
Parking Spaces	10 Parking Spaces
Porch	Slab
Porch Area	746 sqft
Canopy	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9933380
Street Address	520 MORRIS RD
City	MILLS RIVER
State	NC
Zip	28759-9604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9933380~MR
Legal Description	S MILLS RIVER PL2013-9051
Legal Subdivision	CAROL R & TWILA S SAMS
Legal Block	24
Legal Lot Number	9947
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1034
Census Tract	930702

Owner

520 Morris Rd is owned and occupied by two individuals who bought it in January 2015.

Source: Henderson County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 MORRIS RD, MILLS RIVER, NC 28759-9604
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED CMNTY BK
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2015 · Amount on File
Deed Sale	Jan 9, 2015 · Amount on File
Deed Book / Page	1603 / 325
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	520 MORRIS RD, MILLS RIVER, NC 28759-9604
Document Number	0034680126
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 MORRIS RD MILLS RIVER NC 287599604, MILLS RIVER, NC 28759-9604

Mortgage

Document Number	0034680126
Date	Mar 25, 2020
Book Page	003468/000126
Instrument	922040

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 24, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	520 MORRIS RD, MILLS RIVER, NC 28759-9604
Document Number	0034100065
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 MORRIS RD MILLS RIVER NC 287599604, MILLS RIVER, NC 28759-9604

Mortgage

Document Number	0034100065
Date	Nov 6, 2019
Book Page	003410/000065
Instrument	914217

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 5, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 520 Morris Rd was $3,088.

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		$716,500 Land $98,400 Building $618,100
2025	$3,088.00
2023		$716,500 Land $98,400 Building $618,100	$716,500 Land $98,400 Building $618,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 Morris Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2013.

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	7 in force
Nearby Flood Claims	8 (2013–2026)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2026 · river or lake flooding
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 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

Wildfire risk around 520 Morris Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	0.07% 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 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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