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Single Family ResidenceResidential
$1,393,825$676 / 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 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $45,000 on Aug 7, 2018

644 S MILLS RIVER RD

MILLS RIVER, NC 28759
2
Baths
2,061 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.
3.42 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.4M
$1.1M low$1.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$45,000 · Aug 7, 2018
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,020,415
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$816,332
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.27%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$373,410
ROCKET MORTGAGE LLC · recorded Feb 14, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,560 (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.$482,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$125,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$356,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$482,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$482,200

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.69
95
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.
98
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.78 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHENDERSON
Lot (acres)The size of the land the home sits on, from county records.3.42
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 80 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Mills River Elementary SchoolA
Elementary · Grades PK–5 · 2.8 mi
H
West Henderson High SchoolA-
High · Grades 9–12 · 5.8 mi
M
Rugby Middle SchoolB+
Middle · Grades 6–8 · 6.0 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

644 S Mills River Rd 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 more than 98% of homes in Mills River 28759
  • Among the highest price per square foot in Mills River 28759
  • Bigger than 68% of homes in Henderson County
  • Has a bigger lot than 89% of homes in Henderson County
  • Newer than 93% of homes in Henderson County

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
$167K$1.4M

This home is worth more than 98% 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$1,393,825
CheaperTypical $508,142Pricier

Pricier than 98% of homes nearby

Price per ft²$676
CheaperTypical $255Pricier

Pricier than almost all homes nearby

Living area2,061 ft²
SmallerTypical 1,899 ft²Bigger

Bigger than 58% of homes nearby

Lot size3.42 ac
SmallerTypical 0.89 acBigger

Bigger than 87% of homes nearby

Year built2020
OlderTypical 1997Newer

Newer than 88% of homes nearby

How 644 S Mills River Rd ranks against every home in each area.
MeasureThis homeMills River 28759Henderson County
Estimated valuepricier than$1,393,82598% of homes98% of homes
Price per ft²pricier than$676almost all homesalmost all homes
Living areabigger than2,061 ft²58% of homes68% of homes
Lot sizebigger than3.42 ac87% of homes89% of homes
Year builtnewer than202088% of homes93% of homes

About 644 S Mills River Rd

How much is 644 S Mills River Rd, Mills River, NC worth?

The TopHap Estimate for 644 S Mills River Rd, Mills River, NC is $1,393,825 as of Jul 14, 2026. The likely range is $1,130,464 to $1,657,186. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 S Mills River Rd, Mills River, NC last sell?

644 S Mills River Rd, Mills River, NC last sold on Aug 7, 2018 for $45,000, according to the county's recorded deed.

How big is 644 S Mills River Rd, Mills River, NC?

644 S Mills River Rd, Mills River, NC has 2 bathrooms, 2,061 square feet of living space and a 3.42-acre lot.

When was 644 S Mills River Rd, Mills River, NC built?

644 S Mills River Rd, Mills River, NC was built in 2020, making it 6 years old. It is a conventional home. The building has 1 story.

What schools serve 644 S Mills River Rd, Mills River, NC?

644 S Mills River Rd, Mills River, NC is assigned to Mills River Elementary School (elementary), rated A; 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 644 S Mills River Rd, 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 98% of them ($1,393,825 against a typical $508,142), its price per square foot is higher than almost all of them ($676 against a typical $255), it is bigger than 58% of them (2,061 ft² against a typical 1,899 ft²), its lot is bigger than 87% of them (3.42 ac against a typical 0.89 ac) and it is newer than 88% of them (2020 against a typical 1997). Measured against all of Henderson County, it is worth more than 98% 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 644 S Mills River Rd, Mills River, NC?

The 2025 property tax bill for 644 S Mills River Rd, Mills River, NC was $2,560. The county assessed it at $482,200.

Closest homes

More homes in Mills River 28759

Assigned schools

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