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Single Family ResidenceResidential
$523,341$554 / 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

186 CREEK RD

ROSMAN, NC 28772
1
Beds
1
Baths
944 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.
9.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.

Valuation

$523K
$422K low$625K 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.$523,341
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$418,673

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,179 (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.$245,410 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,780
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$164,630
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$152,480
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$245,410

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.133 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
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.9.18
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.None
CoolingThe type of cooling or air conditioning in the home.None
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(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.

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.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

186 Creek 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 83% of homes in Rosman 28772
  • Costs more per square foot than 97% of homes in Rosman 28772
  • Smaller than 91% of homes in Transylvania County
  • Has a bigger lot than 93% 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 83% 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$523,341
CheaperTypical $265,926Pricier

Pricier than 83% of homes nearby

Price per ft²$554
CheaperTypical $210Pricier

Pricier than 97% of homes nearby

Living area944 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 14% of homes nearby

Lot size9.18 ac
SmallerTypical 1.92 acBigger

Bigger than 86% of homes nearby

Year built1984
OlderTypical 1985Newer

Newer than 49% of homes nearby

How 186 Creek Rd ranks against every home in each area.
MeasureThis homeRosman 28772Transylvania County
Estimated valuepricier than$523,34183% of homes61% of homes
Price per ft²pricier than$55497% of homes95% of homes
Living areabigger than944 ft²14% of homes9% of homes
Lot sizebigger than9.18 ac86% of homes93% of homes
Year builtnewer than198449% of homes51% of homes

About 186 Creek Rd

How much is 186 Creek Rd, Rosman, NC worth?

The TopHap Estimate for 186 Creek Rd, Rosman, NC is $523,341 as of Jul 14, 2026. The likely range is $421,873 to $624,809. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 186 Creek Rd, Rosman, NC?

186 Creek Rd, Rosman, NC has 1 bedrooms, 1 bathrooms, 944 square feet of living space and a 9.18-acre lot.

When was 186 Creek Rd, Rosman, NC built?

186 Creek Rd, Rosman, NC was built in 1984, making it 42 years old.

How does 186 Creek Rd, Rosman, NC compare to other homes in Rosman 28772?

Among the 897 homes in Rosman 28772, it is worth more than 83% of them ($523,341 against a typical $265,926), its price per square foot is higher than 97% of them ($554 against a typical $210), it is bigger than 14% of them (944 ft² against a typical 1,456 ft²), its lot is bigger than 86% of them (9.18 ac against a typical 1.92 ac) and it is newer than 49% of them (1984 against a typical 1985). Measured against all of Transylvania County, it is worth more than 61% 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 186 Creek Rd, Rosman, NC?

The 2025 property tax bill for 186 Creek Rd, Rosman, NC was $1,179. The county assessed it at $245,410.

Closest homes

More homes in Rosman 28772

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Open 186 Creek Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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