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Single Family ResidenceResidential
$380,844$476 / 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 91How 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
Last sold for $385,000 on Dec 4, 2025

1089 RATCLIFF COVE RD

WAYNESVILLE, NC 28786
3
Beds
2.5
Baths
800 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.
0.62 ac
Lot SizeThe size of the land the home sits on, from county records.
1929
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$381K
$348K low$414K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Dec 4, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$542 (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.$178,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$150,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$178,400

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.31
90
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
33
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.52 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.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.Single Family Residence
CountyHAYWOOD
Lot (acres)The size of the land the home sits on, from county records.0.62
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Partial
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Junaluska Elementary SchoolA-
Elementary · Grades KG–5 · 1.1 mi
H
Tuscola High SchoolB+
High · Grades 9–12 · 1.8 mi
M
Waynesville Middle SchoolC-
Middle · Grades 6–8 · 2.7 mi

District: Haywood County Schools

Neighborhood · ZIP 28786These 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.115
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 100.118

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.21,955
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.263 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,861
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,246
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.58 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

1089 Ratcliff Cove 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.

  • Costs more per square foot than 86% of homes in Waynesville 28786
  • Smaller than 87% of homes in Waynesville 28786
  • Older than 95% of homes in Waynesville 28786

What homes are worth in Waynesville 28786

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

This home
$47K$1.2M

This home is worth more than 63% of homes in Waynesville 28786.

How it measures up in Waynesville 28786

The dot is this home. The mark in the middle is the typical home in Waynesville 28786.

Estimated value$380,844
CheaperTypical $314,209Pricier

Pricier than 63% of homes nearby

Price per ft²$476
CheaperTypical $271Pricier

Pricier than 86% of homes nearby

Living area800 ft²
SmallerTypical 1,232 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.62 ac
SmallerTypical 0.61 acBigger

Bigger than 51% of homes nearby

Year built1929
OlderTypical 1978Newer

Newer than 5% of homes nearby

How 1089 Ratcliff Cove Rd ranks against every home in each area.
MeasureThis homeWaynesville 28786Haywood County
Estimated valuepricier than$380,84463% of homes63% of homes
Price per ft²pricier than$47686% of homes84% of homes
Living areabigger than800 ft²13% of homes16% of homes
Lot sizebigger than0.62 ac51% of homes43% of homes
Year builtnewer than19295% of homes5% of homes

About 1089 Ratcliff Cove Rd

How much is 1089 Ratcliff Cove Rd, Waynesville, NC worth?

The TopHap Estimate for 1089 Ratcliff Cove Rd, Waynesville, NC is $380,844 as of Aug 30, 2026. The likely range is $348,002 to $413,686. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1089 Ratcliff Cove Rd, Waynesville, NC last sell?

1089 Ratcliff Cove Rd, Waynesville, NC last sold on Dec 4, 2025 for $385,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 1089 Ratcliff Cove Rd, Waynesville, NC?

1089 Ratcliff Cove Rd, Waynesville, NC has 3 bedrooms, 2.5 bathrooms, 800 square feet of living space and a 0.62-acre lot.

When was 1089 Ratcliff Cove Rd, Waynesville, NC built?

1089 Ratcliff Cove Rd, Waynesville, NC was built in 1929, making it 97 years old. The building has 1 story.

What schools serve 1089 Ratcliff Cove Rd, Waynesville, NC?

1089 Ratcliff Cove Rd, Waynesville, NC is assigned to Junaluska Elementary School (elementary), rated A-; Tuscola High School (high), rated B+; Waynesville Middle School (middle), rated C-. All sit in Haywood County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1089 Ratcliff Cove Rd, Waynesville, NC compare to other homes in Waynesville 28786?

Among the 10,851 homes in Waynesville 28786, it is worth more than 63% of them ($380,844 against a typical $314,209), its price per square foot is higher than 86% of them ($476 against a typical $271), it is bigger than 13% of them (800 ft² against a typical 1,232 ft²), its lot is bigger than 51% of them (0.62 ac against a typical 0.61 ac) and it is newer than 5% of them (1929 against a typical 1978). Measured against all of Haywood County, it is worth more than 63% 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 1089 Ratcliff Cove Rd, Waynesville, NC?

The 2025 property tax bill for 1089 Ratcliff Cove Rd, Waynesville, NC was $542. The county assessed it at $178,400.

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