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Single Family ResidentialResidential
$313,197$205 / 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 83How 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

164 ROCKY SHOALS LN

RUTHERFORDTON, NC 28139
3
Beds
2 / 1
Baths
1,529 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.
1.74 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$313K
$259K low$368K high
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.$263,197
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$210,558
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.17%
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.$50,000
ENTEGRA BANK · recorded May 2, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,859 (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.$304,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$280,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$304,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$304,100

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 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 Residential
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyRutherford
Lot (acres)The size of the land the home sits on, from county records.1.74
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Fan Cooling
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 · 480 ft²Patio · 480 ft²Porch · 156 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
Harris Elementary SchoolB-
Elementary · Grades PK–5 · 2.2 mi
H
Chase High SchoolB
High · Grades 9–12 · 2.4 mi
M
Chase Middle SchoolC+
Middle · Grades 6–8 · 2.9 mi

District: Rutherford County Schools

Neighborhood · ZIP 28139These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
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.1.0%
PopulationHow many people live in this area.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°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

164 Rocky Shoals Ln 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 67% of homes in Rutherford County
  • Newer than 78% of homes in Rutherford County

What homes are worth in Rutherfordton 28139

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

This home
$72K$931K

This home is worth more than 55% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$313,197
CheaperTypical $289,683Pricier

Pricier than 55% of homes nearby

Price per ft²$205
CheaperTypical $179Pricier

Pricier than 62% of homes nearby

Living area1,529 ft²
SmallerTypical 1,537 ft²Bigger

Bigger than 49% of homes nearby

Lot size1.74 ac
SmallerTypical 1.8 acBigger

Bigger than 49% of homes nearby

Year built1999
OlderTypical 1985Newer

Newer than 73% of homes nearby

How 164 Rocky Shoals Ln ranks against every home in each area.
MeasureThis homeRutherfordton 28139Rutherford County
Estimated valuepricier than$313,19755% of homes64% of homes
Price per ft²pricier than$20562% of homes67% of homes
Living areabigger than1,529 ft²49% of homes57% of homes
Lot sizebigger than1.74 ac49% of homes63% of homes
Year builtnewer than199973% of homes78% of homes

About 164 Rocky Shoals Ln

How much is 164 Rocky Shoals Ln, Rutherfordton, NC worth?

The TopHap Estimate for 164 Rocky Shoals Ln, Rutherfordton, NC is $313,197 as of Jul 14, 2026. The likely range is $258,761 to $367,633. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 164 Rocky Shoals Ln, Rutherfordton, NC?

164 Rocky Shoals Ln, Rutherfordton, NC has 3 bedrooms, 2 bathrooms, 1,529 square feet of living space and a 1.74-acre lot.

When was 164 Rocky Shoals Ln, Rutherfordton, NC built?

164 Rocky Shoals Ln, Rutherfordton, NC was built in 1999, making it 27 years old. It is a split level home. The building has 2 stories.

What schools serve 164 Rocky Shoals Ln, Rutherfordton, NC?

164 Rocky Shoals Ln, Rutherfordton, NC is assigned to Harris Elementary School (elementary), rated B-; Chase High School (high), rated B; Chase Middle School (middle), rated C+. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 164 Rocky Shoals Ln, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,472 homes in Rutherfordton 28139, it is worth more than 55% of them ($313,197 against a typical $289,683), its price per square foot is higher than 62% of them ($205 against a typical $179), it is bigger than 49% of them (1,529 ft² against a typical 1,537 ft²), its lot is bigger than 49% of them (1.74 ac against a typical 1.8 ac) and it is newer than 73% of them (1999 against a typical 1985). Measured against all of Rutherford County, it is worth more than 64% 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 164 Rocky Shoals Ln, Rutherfordton, NC?

The 2025 property tax bill for 164 Rocky Shoals Ln, Rutherfordton, NC was $1,859. The county assessed it at $304,100.

Closest homes

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Assigned schools

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