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

Henderson County property record for 550 Gilreath Loop Rd, Mills River, NC 28759

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,742 sqft · built 1995
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Tax Bill	$857 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9631004924`

Property Details

APN / Parcel Number

Primary APN	`9631004924`
Alternative APNs	`00963100492455` `9930298`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,742 sqft Heated Area
1st Floor Area	1,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,155 sqft (0.83 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	680 sqft
Patio Area	276 sqft
Shed	1 Shed
Shed Area	560 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9930298
Street Address	550 GILREATH LOOP RD
City	MILLS RIVER
State	NC
Zip	28759-9549
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	9930298~MR
Legal Description	SWEETWATER RD
Legal Subdivision	SURVEY JERRY HOLLAND & WIFE GL
Legal Lot Number	4924
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1030
Census Tract	930702

Owner

550 Gilreath Loop Rd, a mobile home, is owned and occupied by two individuals who acquired it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	550 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 Transfer Date	Aug 25, 2025
Transfer Doc	0043300473
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Apr 29, 2026
Property Address	550 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Document Number	0044310042
Book / Page	4431 / 42
Instrument Date	Apr 24, 2026
Instrument	20261048470
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Investor	Possibly a Property Investor

Mortgage

Document Number	0001048470,
Date	Apr 29, 2026
Book Page	4431/42
Instrument	20261048470

Lender

Name	DOLLAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 550 Gilreath Loop Rd was $857.

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		$198,900 (-) Land $55,800 Building $143,100
2025	$857.00	$198,900 Land $55,800 Building $143,100
2024	$857.00
2023		$198,900 Land $55,800 Building $143,100	$198,900 Land $55,800 Building $143,100

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

Flood

FEMA maps place 550 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 550 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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