Henderson County property record for 89 Clement Dr, Mills River, NC 28759
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,987 sqft · built 1958 |
| Lot Size | 1.16 acres (50,530 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,590 (2025) |
| Deeds & Mortgages | Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9631732861 |
| Primary APN | 9631732861 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,987 sqft Heated Area |
| 1st Floor Area | 1,645 sqft |
| Basement Area | 823 sqft |
| Unfinished Basement | 823 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,530 sqft (1.16 acres) |
| Garage Type | Mixed |
| Garage Area | 1,902 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Porch Area | 20 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 800634 |
|---|---|
| Street Address | 89 CLEMENT DR |
| City | MILLS RIVER |
| State | NC |
| Zip | 28759-8736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 800634~MR- |
| Legal Description | 89 CLEMENT DRIVE |
| Legal Block | 73 |
| Legal Lot Number | 2861 |
| Jurisdiction | HENDERSON NC |
| Township / Civil Division | MILLS RIVER |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 930702 |
89 Clement Dr is owned and occupied by two individuals.
Source: Henderson County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON NC |
| Property Address | 89 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 89 CLEMENT DR, MILLS RIVER, NC 28759-8736 |
| Document Number | 0036550535 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 3655/535 |
| Instrument | 945335 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 89 Clement Dr was $1,590.
Source: Henderson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Henderson County |
| Municipality | Mills River Town |
| Unified School District | Henderson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $369,100 Land $82,400 Building $286,700 | ||
| 2025 | $1,590.00 | ||
| 2023 | $369,100 Land $82,400 Building $286,700 | $369,100 Land $82,400 Building $286,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Clement Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2009.
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 | 6 in force |
| Nearby Flood Claims | 4 (2009–2024) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 89 Clement Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Riverwave Broadband.
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