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Single Family ResidenceResidential
$440,588$228 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

20 COTTAGE RIDGE RD

FLETCHER, NC 28732
3
Beds
2
Baths
1,932 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
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

$441K
$385K low$496K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,912 (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.$443,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$343,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$443,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$443,600

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHENDERSON
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.2013
Lot (acres)The size of the land the home sits on, from county records.0.26
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 190 ft²Porch · 170 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
Fletcher Elementary SchoolB+
Elementary · Grades PK–5 · 2.9 mi
M
Apple Valley Middle SchoolC
Middle · Grades 6–8 · 5.7 mi
H
North Henderson High SchoolB-
High · Grades 9–12 · 5.7 mi

District: Henderson County Schools

Neighborhood · ZIP 28732These 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.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.105

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
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.20,099
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.500 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,338
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,835
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

20 Cottage Ridge 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.

  • Costs less per square foot than 66% of homes in Fletcher 28732
  • Has a smaller lot than 82% of homes in Henderson County
  • Newer than 72% of homes in Henderson County

What homes are worth in Fletcher 28732

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

This home
$203K$1.4M

This home is worth more than 47% of homes in Fletcher 28732.

How it measures up in Fletcher 28732

The dot is this home. The mark in the middle is the typical home in Fletcher 28732.

Estimated value$440,588
CheaperTypical $449,992Pricier

Pricier than 47% of homes nearby

Price per ft²$228
CheaperTypical $251Pricier

Pricier than 34% of homes nearby

Living area1,932 ft²
SmallerTypical 1,734 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.26 ac
SmallerTypical 0.5 acBigger

Bigger than 29% of homes nearby

Year built2003
OlderTypical 2002Newer

Newer than 56% of homes nearby

How 20 Cottage Ridge Rd ranks against every home in each area.
MeasureThis homeFletcher 28732Henderson County
Estimated valuepricier than$440,58847% of homes53% of homes
Price per ft²pricier than$22834% of homes39% of homes
Living areabigger than1,932 ft²61% of homes62% of homes
Lot sizebigger than0.26 ac29% of homes18% of homes
Year builtnewer than200356% of homes72% of homes

About 20 Cottage Ridge Rd

How much is 20 Cottage Ridge Rd, Fletcher, NC worth?

The TopHap Estimate for 20 Cottage Ridge Rd, Fletcher, NC is $440,588 as of Sep 24, 2026. The likely range is $384,917 to $496,259. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Cottage Ridge Rd, Fletcher, NC last sell?

20 Cottage Ridge Rd, Fletcher, NC last sold on Oct 17, 2011, according to the county's recorded deed.

How big is 20 Cottage Ridge Rd, Fletcher, NC?

20 Cottage Ridge Rd, Fletcher, NC has 3 bedrooms, 2 bathrooms, 1,932 square feet of living space and a 0.26-acre lot.

When was 20 Cottage Ridge Rd, Fletcher, NC built?

20 Cottage Ridge Rd, Fletcher, NC was built in 2003, making it 23 years old. It is a conventional home. The building has 1 story.

What schools serve 20 Cottage Ridge Rd, Fletcher, NC?

20 Cottage Ridge Rd, Fletcher, NC is assigned to Fletcher Elementary School (elementary), rated B+; Apple Valley Middle School (middle), rated C; North Henderson High School (high), rated B-. All sit in Henderson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Cottage Ridge Rd, Fletcher, NC compare to other homes in Fletcher 28732?

Among the 8,207 homes in Fletcher 28732, it is worth more than 47% of them ($440,588 against a typical $449,992), its price per square foot is higher than 34% of them ($228 against a typical $251), it is bigger than 61% of them (1,932 ft² against a typical 1,734 ft²), its lot is bigger than 29% of them (0.26 ac against a typical 0.5 ac) and it is newer than 56% of them (2003 against a typical 2002). Measured against all of Henderson County, it is worth more than 53% 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 20 Cottage Ridge Rd, Fletcher, NC?

The 2025 property tax bill for 20 Cottage Ridge Rd, Fletcher, NC was $1,912. The county assessed it at $443,600.

More homes on Cottage Ridge Rd

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Assigned schools

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