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

Henderson County property record for 560 Gilreath Loop Rd, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 1970
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,507 (2025)
Deeds & Mortgages	Mar 2024 Sale Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9631014310`

Property Details

APN / Parcel Number

Primary APN	`9631014310`
Alternative APN	`10008290`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Heated Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,174 sqft (1.06 acres)

Exterior Amenities

Porch	Slab
Porch Area	624 sqft
Deck Area	121 sqft
Canopy	520 sqft
Utility Building	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10008290
Street Address	560 GILREATH LOOP RD
City	MILLS RIVER
State	NC
Zip	28759-9549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10008290~M
Legal Description	MINOR SUBDIVISION 1.25 ACRES LO3 PL2021-13819
Legal Subdivision	MINOR SUBDIVISION
Legal Tract	3
Legal Block	1
Legal Lot Number	4310
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1030
Census Tract	930702

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	560 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Warranty Deed, Transfer
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Mar 15, 2024
Property Address	560 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Document Number	0041440431
Book / Page	4144 / 431
Instrument Date	Mar 15, 2024
Instrument	1001011689
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount Recorded
Tax	$122.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	560 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jan 5, 2022
Property Address	560 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Document Number	0038490045
Book / Page	3849 / 45
Map Reference	SL 13819
Instrument Date	Jan 3, 2022
Instrument	971001
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 578, HORSE SHOE, NC 28742-0578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549

Mortgage

Document Number	0000971002
Date	Jan 5, 2022
Instrument	971002

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Feb 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

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		$349,700 (-) Land $61,200 Building $288,500
2025	$1,507.00
2023		$349,700 Land $61,200 Building $288,500	$349,700 Land $61,200 Building $288,500

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	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

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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