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Single Family ResidenceResidential
$2,771,144$518 / 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 75How 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 $225,000 on Mar 29, 2022

190 TIMBER ROCK TRL

BANNER ELK, NC 28604
4
Beds
4 / 1
Baths
5,346 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.
1.57 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.

Valuation

$2.8M
$2.1M low$3.5M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$225,000 · Mar 29, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,903 (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.$1,475,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$200,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,275,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$880,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,475,800

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.10
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyAvery
Lot (acres)The size of the land the home sits on, from county records.1.57
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.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
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.

M
Cranberry Middle SchoolC+
Middle · Grades 6–8 · 4.4 mi
E
Freedom Trail Elementary SchoolB+
Elementary · Grades PK–5 · 4.4 mi
H
Avery County High SchoolD+
High · Grades 9–12 · 9.0 mi

District: Avery County Schools

Neighborhood · ZIP 28604These 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.134
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.37%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
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.1.0%
PopulationHow many people live in this area.6,804
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.101 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,426
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,578
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.55 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

190 Timber Rock Trl 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 98% of homes in Banner Elk 28604
  • Costs more per square foot than 87% of homes in Banner Elk 28604
  • Bigger than 98% of homes in Banner Elk 28604
  • Has a bigger lot than 72% of homes in Banner Elk 28604
  • Newer than 98% of homes in Banner Elk 28604

What homes are worth in Banner Elk 28604

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

This home
$85K$2.8M

This home is worth more than 98% of homes in Banner Elk 28604.

How it measures up in Banner Elk 28604

The dot is this home. The mark in the middle is the typical home in Banner Elk 28604.

Estimated value$2,771,144
CheaperTypical $451,724Pricier

Pricier than 98% of homes nearby

Price per ft²$518
CheaperTypical $314Pricier

Pricier than 87% of homes nearby

Living area5,346 ft²
SmallerTypical 1,666 ft²Bigger

Bigger than 98% of homes nearby

Lot size1.57 ac
SmallerTypical 0.73 acBigger

Bigger than 72% of homes nearby

Year built2022
OlderTypical 1989Newer

Newer than 98% of homes nearby

How 190 Timber Rock Trl ranks against every home in each area.
MeasureThis homeBanner Elk 28604Avery County
Estimated valuepricier than$2,771,14498% of homes98% of homes
Price per ft²pricier than$51887% of homes86% of homes
Living areabigger than5,346 ft²98% of homes97% of homes
Lot sizebigger than1.57 ac72% of homes63% of homes
Year builtnewer than202298% of homes98% of homes

About 190 Timber Rock Trl

How much is 190 Timber Rock Trl, Banner Elk, NC worth?

The TopHap Estimate for 190 Timber Rock Trl, Banner Elk, NC is $2,771,144 as of Aug 30, 2026. The likely range is $2,084,320 to $3,457,968. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 190 Timber Rock Trl, Banner Elk, NC last sell?

190 Timber Rock Trl, Banner Elk, NC last sold on Mar 29, 2022 for $225,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 190 Timber Rock Trl, Banner Elk, NC?

190 Timber Rock Trl, Banner Elk, NC has 4 bedrooms, 4 bathrooms, 5,346 square feet of living space and a 1.57-acre lot.

When was 190 Timber Rock Trl, Banner Elk, NC built?

190 Timber Rock Trl, Banner Elk, NC was built in 2022, making it 4 years old.

What schools serve 190 Timber Rock Trl, Banner Elk, NC?

190 Timber Rock Trl, Banner Elk, NC is assigned to Cranberry Middle School (middle), rated C+; Freedom Trail Elementary School (elementary), rated B+; Avery County High School (high), rated D+. All sit in Avery County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 190 Timber Rock Trl, Banner Elk, NC compare to other homes in Banner Elk 28604?

Among the 11,834 homes in Banner Elk 28604, it is worth more than 98% of them ($2,771,144 against a typical $451,724), its price per square foot is higher than 87% of them ($518 against a typical $314), it is bigger than 98% of them (5,346 ft² against a typical 1,666 ft²), its lot is bigger than 72% of them (1.57 ac against a typical 0.73 ac) and it is newer than 98% of them (2022 against a typical 1989). Measured against all of Avery County, it is worth more than 98% 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 190 Timber Rock Trl, Banner Elk, NC?

The 2025 property tax bill for 190 Timber Rock Trl, Banner Elk, NC was $5,903. The county assessed it at $1,475,800.

More homes on Timber Rock Trl

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Open 190 Timber Rock Trl 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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