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Single Family ResidentialResidential
$405,633$245 / 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 84How 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 $264,000 on Jan 13, 2021

286 CARDINAL RD

RUTHERFORDTON, NC 28139
3
Beds
2
Baths
1,658 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.
5.72 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$406K
$339K low$472K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$264,000 · Jan 13, 2021
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.$124,977
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$99,982
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.69%
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.$265,656
ALCOVA MORTGAGE LLC · recorded Jan 13, 2021
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.$15,000
TRULIANT FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,383 (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.$304,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$37,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$266,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$304,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$304,600

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.121 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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 Residential
CountyRutherford
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.2000
Lot (acres)The size of the land the home sits on, from county records.5.72
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
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.Fan Cooling
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 · 132 ft²Patio · 132 ft²Porch · 308 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
R-S Middle SchoolC-
Middle · Grades 6–8 · 1.2 mi
E
Mt. Vernon-Ruth Elementary SchoolC
Elementary · Grades PK–5 · 2.5 mi
H
R-S Central High SchoolC-
High · Grades 9–12 · 2.8 mi

District: Rutherford County Schools

Neighborhood · ZIP 28139These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.53 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.Owner occupied
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

286 Cardinal 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 77% of homes in Rutherford County
  • Costs more per square foot than 78% of homes in Rutherfordton 28139
  • Bigger than 66% of homes in Rutherford County
  • Has a bigger lot than 85% of homes in Rutherford County

What homes are worth in Rutherfordton 28139

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

This home
$67K$851K

This home is worth more than 73% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$405,633
CheaperTypical $289,580Pricier

Pricier than 73% of homes nearby

Price per ft²$245
CheaperTypical $179Pricier

Pricier than 78% of homes nearby

Living area1,658 ft²
SmallerTypical 1,541 ft²Bigger

Bigger than 58% of homes nearby

Lot size5.72 ac
SmallerTypical 1.84 acBigger

Bigger than 78% of homes nearby

Year built1986
OlderTypical 1985Newer

Newer than 52% of homes nearby

How 286 Cardinal Rd ranks against every home in each area.
MeasureThis homeRutherfordton 28139Rutherford County
Estimated valuepricier than$405,63373% of homes77% of homes
Price per ft²pricier than$24578% of homes77% of homes
Living areabigger than1,658 ft²58% of homes66% of homes
Lot sizebigger than5.72 ac78% of homes85% of homes
Year builtnewer than198652% of homes60% of homes

About 286 Cardinal Rd

How much is 286 Cardinal Rd, Rutherfordton, NC worth?

The TopHap Estimate for 286 Cardinal Rd, Rutherfordton, NC is $405,633 as of Jul 14, 2026. The likely range is $339,141 to $472,125. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 286 Cardinal Rd, Rutherfordton, NC last sell?

286 Cardinal Rd, Rutherfordton, NC last sold on Jan 13, 2021 for $264,000, according to the county's recorded deed.

How big is 286 Cardinal Rd, Rutherfordton, NC?

286 Cardinal Rd, Rutherfordton, NC has 3 bedrooms, 2 bathrooms, 1,658 square feet of living space and a 5.72-acre lot.

When was 286 Cardinal Rd, Rutherfordton, NC built?

286 Cardinal Rd, Rutherfordton, NC was built in 1986, making it 40 years old. The building has 2 stories.

What schools serve 286 Cardinal Rd, Rutherfordton, NC?

286 Cardinal Rd, Rutherfordton, NC is assigned to R-S Middle School (middle), rated C-; Mt. Vernon-Ruth Elementary School (elementary), rated C; R-S Central High School (high), rated C-. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 286 Cardinal Rd, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,472 homes in Rutherfordton 28139, it is worth more than 73% of them ($405,633 against a typical $289,580), its price per square foot is higher than 78% of them ($245 against a typical $179), it is bigger than 58% of them (1,658 ft² against a typical 1,541 ft²), its lot is bigger than 78% of them (5.72 ac against a typical 1.84 ac) and it is newer than 52% of them (1986 against a typical 1985). Measured against all of Rutherford County, it is worth more than 77% 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 286 Cardinal Rd, Rutherfordton, NC?

The 2025 property tax bill for 286 Cardinal Rd, Rutherfordton, NC was $3,383. The county assessed it at $304,600.

Closest homes

More homes in Rutherfordton 28139

Assigned schools

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