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Single Family ResidenceResidential
$427,889$231 / 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 87How 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 $253,000 on May 30, 2017

108 KEMP ST

FLAT ROCK, NC 28731
3
Baths
1,849 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.
1.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$428K
$371K low$485K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$253,000 · May 30, 2017
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.$98,089
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$78,471
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.74%
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.$244,800
UNITED FCU · recorded Apr 29, 2020
2nd 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.$85,000
UNITED FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,116 (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.$377,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$61,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$316,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$377,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$377,100

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.Ranch
CountyHENDERSON
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2015
Lot (acres)The size of the land the home sits on, from county records.1.08
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 · 72 ft²Patio · 90 ft²

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

H
Henderson County Early CollegeA+
High · Grades 9–12 · 2.9 mi
E
Dana Elementary SchoolD-
Elementary · Grades PK–5 · 3.4 mi
M
Flat Rock Middle SchoolB
Middle · Grades 6–8 · 3.5 mi

District: Henderson County Schools

Neighborhood · ZIP 28731These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.11,192
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.401 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,204
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,508
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.62 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.Owner occupied
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

108 Kemp 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.

  • Costs less per square foot than 70% of homes in Flat Rock 28731
  • Has a bigger lot than 70% of homes in Henderson County

What homes are worth in Flat Rock 28731

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

This home
$163K$1.7M

This home is worth more than 36% of homes in Flat Rock 28731.

How it measures up in Flat Rock 28731

The dot is this home. The mark in the middle is the typical home in Flat Rock 28731.

Estimated value$427,889
CheaperTypical $500,354Pricier

Pricier than 36% of homes nearby

Price per ft²$231
CheaperTypical $266Pricier

Pricier than 30% of homes nearby

Living area1,849 ft²
SmallerTypical 1,850 ft²Bigger

Bigger than 50% of homes nearby

Lot size1.08 ac
SmallerTypical 0.89 acBigger

Bigger than 63% of homes nearby

Year built1994
OlderTypical 1995Newer

Newer than 49% of homes nearby

How 108 Kemp St ranks against every home in each area.
MeasureThis homeFlat Rock 28731Henderson County
Estimated valuepricier than$427,88936% of homes52% of homes
Price per ft²pricier than$23130% of homes43% of homes
Living areabigger than1,849 ft²50% of homes58% of homes
Lot sizebigger than1.08 ac63% of homes70% of homes
Year builtnewer than199449% of homes55% of homes

About 108 Kemp St

How much is 108 Kemp St, Flat Rock, NC worth?

The TopHap Estimate for 108 Kemp St, Flat Rock, NC is $427,889 as of Jul 14, 2026. The likely range is $371,053 to $484,725. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 Kemp St, Flat Rock, NC last sell?

108 Kemp St, Flat Rock, NC last sold on May 30, 2017 for $253,000, according to the county's recorded deed.

How big is 108 Kemp St, Flat Rock, NC?

108 Kemp St, Flat Rock, NC has 3 bathrooms, 1,849 square feet of living space and a 1.08-acre lot.

When was 108 Kemp St, Flat Rock, NC built?

108 Kemp St, Flat Rock, NC was built in 1994, making it 32 years old. It is a ranch home. The building has 1 story.

What schools serve 108 Kemp St, Flat Rock, NC?

108 Kemp St, Flat Rock, NC is assigned to Henderson County Early College (high), rated A+; Dana Elementary School (elementary), rated D-; Flat Rock 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 108 Kemp St, Flat Rock, NC compare to other homes in Flat Rock 28731?

Among the 4,347 homes in Flat Rock 28731, it is worth more than 36% of them ($427,889 against a typical $500,354), its price per square foot is higher than 30% of them ($231 against a typical $266), it is bigger than 50% of them (1,849 ft² against a typical 1,850 ft²), its lot is bigger than 63% of them (1.08 ac against a typical 0.89 ac) and it is newer than 49% of them (1994 against a typical 1995). Measured against all of Henderson County, it is worth more than 52% 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 108 Kemp St, Flat Rock, NC?

The 2025 property tax bill for 108 Kemp St, Flat Rock, NC was $2,116. The county assessed it at $377,100.

Closest homes

More homes in Flat Rock 28731

Assigned schools

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