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Single Family ResidenceResidential
$326,127$237 / 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 91How 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 $109,000 on Dec 13, 2013

3 BAY ST

FLAT ROCK, NC 28731
3
Beds
2
Baths
1,375 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.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
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

$326K
$296K low$356K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$109,000 · Dec 13, 2013
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.$326,127
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$260,902

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,733 (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.$308,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$90,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$218,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$308,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$308,900

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.22 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.''

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
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.2002
Lot (acres)The size of the land the home sits on, from county records.0.80
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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.Deck · 160 ft²Porch · 15 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Hillandale Elementary SchoolD+
Elementary · Grades PK–5 · 0.9 mi
M
Flat Rock Middle SchoolB
Middle · Grades 6–8 · 0.9 mi
H
East Henderson High SchoolB-
High · Grades 9–12 · 2.5 mi

District: Henderson County Schools

Neighborhood · ZIP 28731These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.88%
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.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.11,192
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.401 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,204
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,508
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.62 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.Yes

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

3 Bay St 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 less than 81% of homes in Flat Rock 28731
  • Costs less per square foot than 67% of homes in Flat Rock 28731
  • Smaller than 75% of homes in Flat Rock 28731

What homes are worth in Flat Rock 28731

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

This home
$163K$1.7M

This home is worth more than 19% of homes in Flat Rock 28731.

How it measures up in Flat Rock 28731

The dot is this home. The mark in the middle is the typical home in Flat Rock 28731.

Estimated value$326,127
CheaperTypical $500,354Pricier

Pricier than 19% of homes nearby

Price per ft²$237
CheaperTypical $266Pricier

Pricier than 33% of homes nearby

Living area1,375 ft²
SmallerTypical 1,850 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.8 ac
SmallerTypical 0.89 acBigger

Bigger than 46% of homes nearby

Year built1992
OlderTypical 1995Newer

Newer than 45% of homes nearby

How 3 Bay St ranks against every home in each area.
MeasureThis homeFlat Rock 28731Henderson County
Estimated valuepricier than$326,12719% of homes28% of homes
Price per ft²pricier than$23733% of homes47% of homes
Living areabigger than1,375 ft²25% of homes30% of homes
Lot sizebigger than0.8 ac46% of homes57% of homes
Year builtnewer than199245% of homes53% of homes

About 3 Bay St

How much is 3 Bay St, Flat Rock, NC worth?

The TopHap Estimate for 3 Bay St, Flat Rock, NC is $326,127 as of Jul 14, 2026. The likely range is $296,271 to $355,983. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Bay St, Flat Rock, NC last sell?

3 Bay St, Flat Rock, NC last sold on Dec 13, 2013 for $109,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 3 Bay St, Flat Rock, NC?

3 Bay St, Flat Rock, NC has 3 bedrooms, 2 bathrooms, 1,375 square feet of living space and a 0.80-acre lot.

When was 3 Bay St, Flat Rock, NC built?

3 Bay St, Flat Rock, NC was built in 1992, making it 34 years old. It is a conventional home. The building has 1 story.

What schools serve 3 Bay St, Flat Rock, NC?

3 Bay St, Flat Rock, NC is assigned to Hillandale Elementary School (elementary), rated D+; Flat Rock Middle School (middle), rated B; East 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 3 Bay St, Flat Rock, NC compare to other homes in Flat Rock 28731?

Among the 4,347 homes in Flat Rock 28731, it is worth more than 19% of them ($326,127 against a typical $500,354), its price per square foot is higher than 33% of them ($237 against a typical $266), it is bigger than 25% of them (1,375 ft² against a typical 1,850 ft²), its lot is bigger than 46% of them (0.8 ac against a typical 0.89 ac) and it is newer than 45% of them (1992 against a typical 1995). Measured against all of Henderson County, it is worth more than 28% 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 3 Bay St, Flat Rock, NC?

The 2025 property tax bill for 3 Bay St, Flat Rock, NC was $1,733. The county assessed it at $308,900.

Closest homes

More homes in Flat Rock 28731

Assigned schools

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