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Single Family ResidenceResidential
$1,300,000$338 / 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 78How 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 $341,000 on Aug 22, 2006

188 BLACK ROCK RANCH RD

SYLVA, NC 28779
3
Beds
2
Baths
3,845 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.
4 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1M low$1.6M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$341,000 · Aug 22, 2006
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.$683,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$546,400
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.47%
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.$265,000
HOMECOMINGS FINANCIAL LLC · recorded Jan 29, 2008
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.$252,000
MOUNTAIN 1ST BANK & TRUST CO
3rd 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.$100,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,949 (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.$776,139 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$104,330
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$671,809
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$598,770

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.20
60
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
17
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.25 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
CountyJACKSON
Lot (acres)The size of the land the home sits on, from county records.4.00
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.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 192 ft²Patio · 156 ft²Porch · 866 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
Scotts Creek SchoolB
Elementary · Grades PK–8 · 0.5 mi
H
Smoky Mountain High SchoolB
High · Grades 9–12 · 4.0 mi

District: Jackson County Schools

Neighborhood · ZIP 28779These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.121

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.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.17,171
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.159 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,571
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,284
Average tempThe average temperature here across a full year.53°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%

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

188 Black Rock Ranch 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.

  • Among the most valuable homes in Sylva 28779
  • Costs more per square foot than 91% of homes in Sylva 28779
  • Bigger than 98% of homes in Sylva 28779
  • Has a bigger lot than 87% of homes in Sylva 28779

What homes are worth in Sylva 28779

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

This home
$72K$965K

This home is worth more than almost all homes in Sylva 28779.

How it measures up in Sylva 28779

The dot is this home. The mark in the middle is the typical home in Sylva 28779.

Estimated value$1,300,000
CheaperTypical $314,585Pricier

Pricier than almost all homes nearby

Price per ft²$338
CheaperTypical $224Pricier

Pricier than 91% of homes nearby

Living area3,845 ft²
SmallerTypical 1,452 ft²Bigger

Bigger than 98% of homes nearby

Lot size4 ac
SmallerTypical 1 acBigger

Bigger than 87% of homes nearby

Year built1985
OlderTypical 1982Newer

Newer than 55% of homes nearby

How 188 Black Rock Ranch Rd ranks against every home in each area.
MeasureThis homeSylva 28779Jackson County
Estimated valuepricier than$1,300,000almost all homes86% of homes
Price per ft²pricier than$33891% of homes65% of homes
Living areabigger than3,845 ft²98% of homes94% of homes
Lot sizebigger than4 ac87% of homes85% of homes
Year builtnewer than198555% of homes47% of homes

About 188 Black Rock Ranch Rd

How much is 188 Black Rock Ranch Rd, Sylva, NC worth?

The TopHap Estimate for 188 Black Rock Ranch Rd, Sylva, NC is $1,300,000 as of Jul 14, 2026. The likely range is $1,013,360 to $1,586,640. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 188 Black Rock Ranch Rd, Sylva, NC last sell?

188 Black Rock Ranch Rd, Sylva, NC last sold on Aug 22, 2006 for $341,000, according to the county's recorded deed.

How big is 188 Black Rock Ranch Rd, Sylva, NC?

188 Black Rock Ranch Rd, Sylva, NC has 3 bedrooms, 2 bathrooms, 3,845 square feet of living space and a 4.00-acre lot.

When was 188 Black Rock Ranch Rd, Sylva, NC built?

188 Black Rock Ranch Rd, Sylva, NC was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 188 Black Rock Ranch Rd, Sylva, NC?

188 Black Rock Ranch Rd, Sylva, NC is assigned to Scotts Creek School (elementary), rated B; Smoky Mountain High School (high), rated B. All sit in Jackson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 188 Black Rock Ranch Rd, Sylva, NC compare to other homes in Sylva 28779?

Among the 6,763 homes in Sylva 28779, it is worth more than almost all of them ($1,300,000 against a typical $314,585), its price per square foot is higher than 91% of them ($338 against a typical $224), it is bigger than 98% of them (3,845 ft² against a typical 1,452 ft²), its lot is bigger than 87% of them (4 ac against a typical 1 ac) and it is newer than 55% of them (1985 against a typical 1982). Measured against all of Jackson County, it is worth more than 86% 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 188 Black Rock Ranch Rd, Sylva, NC?

The 2025 property tax bill for 188 Black Rock Ranch Rd, Sylva, NC was $2,949. The county assessed it at $776,139.

Closest homes

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Assigned schools

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