540 Gilreath Loop Rd, Mills River, NC 28759 Property Records

Henderson County property record for 540 Gilreath Loop Rd, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,348 sqft · built 1969
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$229,000 (Aug 2020)
Tax Bill	$984 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9631004756`

Property Details

APN / Parcel Number

Primary APN	`9631004756`
Alternative APNs	`00963100475655` `9928321`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,348 sqft Heated Area
1st Floor Area	1,008 sqft
Basement Area	1,013 sqft
Finished Basement	340 sqft
Unfinished Basement	673 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
Deck Area	144 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	9928321
Street Address	540 GILREATH LOOP RD
City	MILLS RIVER
State	NC
Zip	28759-9549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9928321~MR
Legal Description	ON GILREATH LOOP RD
Legal Subdivision	TOWN OF MILLS RIVER
Legal Lot Number	4756
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1030
Census Tract	930702

Owner

540 Gilreath Loop Rd is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on File
Deed Sale	Aug 27, 2020 · Amount on File
Prior Sale	May 29, 2013 · Amount on File
Deed Document Number	2020932161
Deed Book / Page	3551 / 261
Prior Transfer Date	May 23, 2016
Prior Transfer Doc	0016650150
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Aug 27, 2020
Property Address	540 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Document Number	0035510261
Book / Page	3551 / 261
Instrument Date	Aug 10, 2020
Instrument	932161
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	385 SHAMROCK RD, 385, NEW LONDON, NC 28127-8663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549

Mortgage

Document Number	932162
Date	Aug 27, 2020
Instrument	932162

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 540 Gilreath Loop Rd was $984.

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		$228,500 (-) Land $52,700 Building $175,800
2025	$984.00	$228,500 Land $52,700 Building $175,800
2023		$228,500 Land $52,700 Building $175,800	$228,500 Land $52,700 Building $175,800

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

Flood

FEMA maps place 540 Gilreath Loop 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 540 Gilreath Loop 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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