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Single Family ResidenceResidential
$4,606,543$659 / 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 62How 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

192 SADDLE RIDGE LN

BANNER ELK, NC 28604
4
Beds
6 / 2
Baths
6,985 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.
2.89 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$4.6M
$2.9M low$6.3M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,612 (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.$2,153,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$397,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,755,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,153,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,153,000

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.2.89
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
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 · 336 ft²Patio · 1,252 ft²Porch · 703 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.

M
Cranberry Middle SchoolC+
Middle · Grades 6–8 · 2.7 mi
E
Banner Elk Elementary SchoolA-
Elementary · Grades PK–5 · 3.2 mi
H
Avery County High SchoolD+
High · Grades 9–12 · 5.8 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%

Owner Tools

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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

192 Saddle Ridge 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.

  • Among the most valuable homes in Banner Elk 28604
  • Costs more per square foot than 95% of homes in Banner Elk 28604
  • Among the largest homes in Banner Elk 28604
  • Has a bigger lot than 85% of homes in Banner Elk 28604
  • Newer than 84% of homes in Avery County

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$2.7M

This home is worth more than almost all 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$4,606,543
CheaperTypical $451,732Pricier

Pricier than almost all homes nearby

Price per ft²$659
CheaperTypical $314Pricier

Pricier than 95% of homes nearby

Living area6,985 ft²
SmallerTypical 1,674 ft²Bigger

Bigger than almost all homes nearby

Lot size2.89 ac
SmallerTypical 0.72 acBigger

Bigger than 85% of homes nearby

Year built2006
OlderTypical 1988Newer

Newer than 83% of homes nearby

How 192 Saddle Ridge Ln ranks against every home in each area.
MeasureThis homeBanner Elk 28604Avery County
Estimated valuepricier than$4,606,543almost all homesalmost all homes
Price per ft²pricier than$65995% of homes94% of homes
Living areabigger than6,985 ft²almost all homesalmost all homes
Lot sizebigger than2.89 ac85% of homes78% of homes
Year builtnewer than200683% of homes84% of homes

About 192 Saddle Ridge Ln

How much is 192 Saddle Ridge Ln, Banner Elk, NC worth?

The TopHap Estimate for 192 Saddle Ridge Ln, Banner Elk, NC is $4,606,543 as of Aug 30, 2026. The likely range is $2,878,920 to $6,334,166. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 192 Saddle Ridge Ln, Banner Elk, NC last sell?

192 Saddle Ridge Ln, Banner Elk, NC last sold on Jul 22, 2009, according to the county's recorded deed.

How big is 192 Saddle Ridge Ln, Banner Elk, NC?

192 Saddle Ridge Ln, Banner Elk, NC has 4 bedrooms, 6 bathrooms, 6,985 square feet of living space and a 2.89-acre lot.

When was 192 Saddle Ridge Ln, Banner Elk, NC built?

192 Saddle Ridge Ln, Banner Elk, NC was built in 2006, making it 20 years old. The building has 3 stories.

What schools serve 192 Saddle Ridge Ln, Banner Elk, NC?

192 Saddle Ridge Ln, Banner Elk, NC is assigned to Cranberry Middle School (middle), rated C+; Banner Elk Elementary School (elementary), rated A-; 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 192 Saddle Ridge Ln, Banner Elk, NC compare to other homes in Banner Elk 28604?

Among the 11,837 homes in Banner Elk 28604, it is worth more than almost all of them ($4,606,543 against a typical $451,732), its price per square foot is higher than 95% of them ($659 against a typical $314), it is bigger than almost all of them (6,985 ft² against a typical 1,674 ft²), its lot is bigger than 85% of them (2.89 ac against a typical 0.72 ac) and it is newer than 83% of them (2006 against a typical 1988). Measured against all of Avery County, it is worth more than almost all 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 192 Saddle Ridge Ln, Banner Elk, NC?

The 2025 property tax bill for 192 Saddle Ridge Ln, Banner Elk, NC was $8,612. The county assessed it at $2,153,000.

Closest homes

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Assigned schools

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