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TownhouseResidential
$329,761$203 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

120 SPECKLE ST

MILLS RIVER, NC 28759
2.5
Baths
1,626 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,614 ft²
Lot SizeThe size of the land the home sits on, from county records.
2025
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$330K
$297K low$363K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$345 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$331,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$251,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$80,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$331,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.53
14
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
51
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyHENDERSON
Lot (acres)The size of the land the home sits on, from county records.0.06
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Glenn C Marlow Elementary SchoolB
Elementary · Grades KG–5 · 1.2 mi
H
West Henderson High SchoolA-
High · Grades 9–12 · 3.6 mi
M
Rugby Middle SchoolB+
Middle · Grades 6–8 · 4.0 mi

District: Henderson County Schools

Neighborhood · ZIP 28759These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.60
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.103

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.7,000
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.288 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,138
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,537
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

120 Speckle St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Mills River 28759
  • Costs less per square foot than 80% of homes in Mills River 28759
  • Smaller than 65% of homes in Mills River 28759
  • Has a smaller lot than 96% of homes in Mills River 28759
  • Among the newest homes in Mills River 28759

What homes are worth in Mills River 28759

Each bar is how many homes fall in that price range. The marker is this home.

This home
$193K$1.5M

This home is worth more than 14% of homes in Mills River 28759.

How it measures up in Mills River 28759

The dot is this home. The mark in the middle is the typical home in Mills River 28759.

Estimated value$329,761
CheaperTypical $526,829Pricier

Pricier than 14% of homes nearby

Price per ft²$203
CheaperTypical $266Pricier

Pricier than 20% of homes nearby

Living area1,626 ft²
SmallerTypical 1,894 ft²Bigger

Bigger than 35% of homes nearby

Lot size2,614 ft²
SmallerTypical 0.88 acBigger

Bigger than 4% of homes nearby

Year built2025
OlderTypical 1997Newer

Newer than almost all homes nearby

How 120 Speckle St ranks against every home in each area.
MeasureThis homeMills River 28759Henderson County
Estimated valuepricier than$329,76114% of homes27% of homes
Price per ft²pricier than$20320% of homes23% of homes
Living areabigger than1,626 ft²35% of homes46% of homes
Lot sizebigger than2,614 ft²4% of homes4% of homes
Year builtnewer than2025almost all homesalmost all homes

About 120 Speckle St

How much is 120 Speckle St, Mills River, NC worth?

The TopHap Estimate for 120 Speckle St, Mills River, NC is $329,761 as of Aug 30, 2026. The likely range is $296,614 to $362,908. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Speckle St, Mills River, NC last sell?

120 Speckle St, Mills River, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 120 Speckle St, Mills River, NC?

120 Speckle St, Mills River, NC has 2.5 bathrooms, 1,626 square feet of living space and a 0.06-acre lot.

When was 120 Speckle St, Mills River, NC built?

120 Speckle St, Mills River, NC was built in 2025, making it 1 years old. It is a townhouse home. The building has 2 stories.

What schools serve 120 Speckle St, Mills River, NC?

120 Speckle St, Mills River, NC is assigned to Glenn C Marlow Elementary School (elementary), rated B; West Henderson High School (high), rated A-; Rugby Middle School (middle), rated B+. All sit in Henderson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Speckle St, Mills River, NC compare to other homes in Mills River 28759?

Among the 3,816 homes in Mills River 28759, it is worth more than 14% of them ($329,761 against a typical $526,829), its price per square foot is higher than 20% of them ($203 against a typical $266), it is bigger than 35% of them (1,626 ft² against a typical 1,894 ft²), its lot is bigger than 4% of them (2,614 ft² against a typical 0.88 ac) and it is newer than almost all of them (2025 against a typical 1997). Measured against all of Henderson County, it is worth more than 27% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 120 Speckle St, Mills River, NC?

The 2025 property tax bill for 120 Speckle St, Mills River, NC was $345. The county assessed it at $331,600.

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