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

Henderson County property record for 592 Gilreath Loop Rd, Mills River, NC 28759

Property Summary

Property Type	Manufactured or Modular Home
Details	2 ba · 1,217 sqft · built 2009
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,500 (May 2018)
Tax Bill	$1,056 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9631022130`

Property Details

APN / Parcel Number

Primary APN	`9631022130`
Alternative APNs	`00963102213055` `9903846`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,217 sqft Heated Area
1st Floor Area	1,217 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2016
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	23,522 sqft (0.54 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	9903846
Street Address	592 GILREATH LOOP RD
City	MILLS RIVER
State	NC
Zip	28759-9549
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	9903846~MR
Legal Description	OFF GILREATH LOOP RD
Legal Subdivision	TOWN OF MILLS RIVER
Legal Block	2
Legal Lot Number	2130
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	592 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 4, 2018	Warranty Deed, Transfer · FHA Mortgage HIGHLAND MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2018 · Amount on Record
Deed Sale	May 4, 2018 · Amount on Record
Prior Sale	Jan 20, 2016 · Amount on Record
Deed Book / Page	3194 / 565
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	592 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036420461
Date	Jan 28, 2021
Book Page	3642/461
Instrument	943639

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 4, 2018
Property Address	592 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549
Document Number	0031940565
Book / Page	3194 / 565
Instrument Date	Apr 16, 2018
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 GILREATH LOOP RD, MILLS RIVER, NC 28759-9549

Mortgage

Document Number	0031940568
Date	May 4, 2018
Book Page	3194/568

Lender

Name	HIGHLAND MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

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		$245,100 (-) Land $79,400 Building $165,700
2025	$1,056.00
2023		$245,100 Land $79,400 Building $165,700	$245,100 Land $79,400 Building $165,700

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 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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