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Single Family ResidenceResidential
$749,120$332 / 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 82How 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 $385,000 on Nov 22, 2019

109 SUMMIT DIVIDE RD

ROSMAN, NC 28772
3
Beds
2
Baths
2,259 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.
14.73 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.

Valuation

$749K
$611K low$888K 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 · Nov 22, 2019
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.$574,120
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$459,296
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.23%
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.$175,000
FIFTH THIRD BANK · 5.98% · recorded Apr 29, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,502 (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.$728,720 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$194,730
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$533,990
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$391,370
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$728,720

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyTransylvania
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.1995
Lot (acres)The size of the land the home sits on, from county records.14.73
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air
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

Transaction History(2)

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

Neighborhood · ZIP 28772These 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.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.104

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.78%
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.11%
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.885
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.69 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,890
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,648
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.79 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

109 Summit Divide 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 93% of homes in Rosman 28772
  • Costs more per square foot than 83% of homes in Rosman 28772
  • Bigger than 86% of homes in Rosman 28772
  • Has a bigger lot than 96% of homes in Transylvania County

What homes are worth in Rosman 28772

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

This home
$49K$1M

This home is worth more than 93% of homes in Rosman 28772.

How it measures up in Rosman 28772

The dot is this home. The mark in the middle is the typical home in Rosman 28772.

Estimated value$749,120
CheaperTypical $265,926Pricier

Pricier than 93% of homes nearby

Price per ft²$332
CheaperTypical $210Pricier

Pricier than 83% of homes nearby

Living area2,259 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 86% of homes nearby

Lot size14.73 ac
SmallerTypical 1.92 acBigger

Bigger than 95% of homes nearby

Year built1992
OlderTypical 1985Newer

Newer than 61% of homes nearby

How 109 Summit Divide Rd ranks against every home in each area.
MeasureThis homeRosman 28772Transylvania County
Estimated valuepricier than$749,12093% of homes82% of homes
Price per ft²pricier than$33283% of homes73% of homes
Living areabigger than2,259 ft²86% of homes73% of homes
Lot sizebigger than14.73 ac95% of homes96% of homes
Year builtnewer than199261% of homes63% of homes

About 109 Summit Divide Rd

How much is 109 Summit Divide Rd, Rosman, NC worth?

The TopHap Estimate for 109 Summit Divide Rd, Rosman, NC is $749,120 as of Jul 14, 2026. The likely range is $610,630 to $887,610. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Summit Divide Rd, Rosman, NC last sell?

109 Summit Divide Rd, Rosman, NC last sold on Nov 22, 2019 for $385,000, according to the county's recorded deed.

How big is 109 Summit Divide Rd, Rosman, NC?

109 Summit Divide Rd, Rosman, NC has 3 bedrooms, 2 bathrooms, 2,259 square feet of living space and a 14.73-acre lot.

When was 109 Summit Divide Rd, Rosman, NC built?

109 Summit Divide Rd, Rosman, NC was built in 1992, making it 34 years old.

How does 109 Summit Divide Rd, Rosman, NC compare to other homes in Rosman 28772?

Among the 897 homes in Rosman 28772, it is worth more than 93% of them ($749,120 against a typical $265,926), its price per square foot is higher than 83% of them ($332 against a typical $210), it is bigger than 86% of them (2,259 ft² against a typical 1,456 ft²), its lot is bigger than 95% of them (14.73 ac against a typical 1.92 ac) and it is newer than 61% of them (1992 against a typical 1985). Measured against all of Transylvania County, it is worth more than 82% 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 109 Summit Divide Rd, Rosman, NC?

The 2025 property tax bill for 109 Summit Divide Rd, Rosman, NC was $3,502. The county assessed it at $728,720.

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