98 Birchbark Dr, Mills River, NC 28759 Property Records

Henderson County property record for 98 Birchbark Dr, Mills River, NC 28759

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,953 sqft · built 2012
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (May 2021)
Tax Bill	$3,045 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9642403715`

Property Details

APN / Parcel Number

Primary APN	`9642403715`
Alternative APN	`1005654`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,953 sqft Heated Area
1st Floor Area	1,353 sqft
Upper Floors Area	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Wood Siding
Foundation Type	No Foundation
Lot Area	9,148 sqft (0.21 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	415 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1005654
Street Address	98 BIRCHBARK DR
City	MILLS RIVER
State	NC
Zip	28759-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1005654~MR
Legal Description	HOLLABROOK FARM LO75 PHI PL2006-6265B
Legal Subdivision	HOLLABROOK FARMS
Legal Phase	1
Legal Block	40
Legal Lot Number	3715
Jurisdiction	HENDERSON NC
Township / Civil Division	MILLS RIVER
Census Block Group	1
Census Block	1044
Census Tract	930701

Owner

Source: Henderson County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	98 BIRCHBARK DR, MILLS RIVER, NC 28759-4510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL
Jul 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
May 6, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	May 6, 2019 · Amount on Record
Deed Document Number	2021952674
Deed Book / Page	3706 / 468
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Recording Date	Jul 23, 2026
Property Address	98 BIRCHBARK DR, MILLS RIVER, NC 28759-4510
Document Number	0001053096
Book / Page	4468 / 534
Instrument Date	Jul 16, 2026
Instrument	20261053096
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BIRCHBARK DR, MILLS RIVER, NC 28759-4510

Mortgage

Document Number	0001053096,
Date	Jul 23, 2026
Book Page	4468/534
Instrument	20261053096

Lender

Name	FIRST NATIONAL

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	98 BIRCHBARK DR, MILLS RIVER, NC 28759-4510
Document Number	0035290702
Instrument Date	Jul 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	98 BIRCHBARK DR MILLS RIVER NC 287594510, MILLS RIVER, NC 28759-4510

Mortgage

Document Number	0035290702
Date	Jul 23, 2020
Book Page	003529/000702
Instrument	929528

Lender

Name	BETTER MTG CORP ISAOA
Address	120 BROADWAY # 5TH, NEW YORK, NY 10271-0002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	98 BIRCHBARK DR, MILLS RIVER, NC 28759-4510
Document Number	0034020266
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	98 BIRCHBARK DR MILLS RIVER NC 287594510, MILLS RIVER, NC 28759-4510

Mortgage

Document Number	0034020266
Date	Oct 21, 2019
Book Page	003402/000266
Instrument	913135

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	May 6, 2019
Property Address	98 BIRCHBARK DR, MILLS RIVER, NC 28759-4510
Document Number	0033300323
Book / Page	003330 / 000323
Instrument Date	May 5, 2019
Instrument	902962
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$996.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	98 BIRCHBARK DR MILLS RIVER NC 287594510, MILLS RIVER, NC 28759-4510

Mortgage

Document Number	33300328
Date	May 6, 2019
Book Page	003330/000328
Instrument	902963

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2049

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		$706,600 (-) Land $105,000 Building $601,600
2025	$3,045.00
2023		$706,600 Land $105,000 Building $601,600	$706,600 Land $105,000 Building $601,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% 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 ASHEVILLE serves 157,431 people · EPA ID NC0111010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2024
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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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