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Single Family ResidenceResidential
$935,133$541 / 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 78How 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

3686 RIVER RD

TODD, NC 28684
3
Beds
2
Baths
1,727 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.
63.96 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.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$935K
$734K low$1.1M high
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.$335,133
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$268,106
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.65%
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.$600,000
FIRST NATIONAL BANK OF PENNSYLVANIA · 5.71% 2 · recorded Jun 16, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,720 (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.$671,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$435,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$235,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$671,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$671,500

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.197 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 Residence
StyleThe architectural style of the home, such as ranch or colonial.Rustic
CountyWATAUGA
Lot (acres)The size of the land the home sits on, from county records.63.96
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.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 · 272 ft²Porch · 226 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
Green Valley SchoolC
Elementary · Grades PK–8 · 2.8 mi
H
Watauga High SchoolA-
High · Grades 9–12 · 5.5 mi

District: Watauga County Schools

Neighborhood · ZIP 28684These 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.112
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.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.3,008
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,674
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,050
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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.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

3686 River 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 87% of homes in Todd 28684
  • Costs more per square foot than 93% of homes in Watauga County
  • Among the largest lots in Watauga County
  • Newer than 78% of homes in Watauga County

What homes are worth in Todd 28684

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

This home
$115K$1.6M

This home is worth more than 87% of homes in Todd 28684.

How it measures up in Todd 28684

The dot is this home. The mark in the middle is the typical home in Todd 28684.

Estimated value$935,133
CheaperTypical $531,812Pricier

Pricier than 87% of homes nearby

Price per ft²$541
CheaperTypical $329Pricier

Pricier than 92% of homes nearby

Living area1,727 ft²
SmallerTypical 1,574 ft²Bigger

Bigger than 57% of homes nearby

Lot size63.96 ac
SmallerTypical 1.29 acBigger

Bigger than 98% of homes nearby

Year built2003
OlderTypical 1997Newer

Newer than 68% of homes nearby

How 3686 River Rd ranks against every home in each area.
MeasureThis homeTodd 28684Watauga County
Estimated valuepricier than$935,13387% of homes84% of homes
Price per ft²pricier than$54192% of homes93% of homes
Living areabigger than1,727 ft²57% of homes51% of homes
Lot sizebigger than63.96 ac98% of homesalmost all homes
Year builtnewer than200368% of homes78% of homes

About 3686 River Rd

How much is 3686 River Rd, Todd, NC worth?

The TopHap Estimate for 3686 River Rd, Todd, NC is $935,133 as of Jul 14, 2026. The likely range is $733,516 to $1,136,750. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3686 River Rd, Todd, NC last sell?

3686 River Rd, Todd, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3686 River Rd, Todd, NC?

3686 River Rd, Todd, NC has 3 bedrooms, 2 bathrooms, 1,727 square feet of living space and a 63.96-acre lot.

When was 3686 River Rd, Todd, NC built?

3686 River Rd, Todd, NC was built in 2003, making it 23 years old. It is a rustic home. The building has 1 story.

What schools serve 3686 River Rd, Todd, NC?

3686 River Rd, Todd, NC is assigned to Green Valley School (elementary), rated C; Watauga High School (high), rated A-. All sit in Watauga County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3686 River Rd, Todd, NC compare to other homes in Todd 28684?

Among the 1,623 homes in Todd 28684, it is worth more than 87% of them ($935,133 against a typical $531,812), its price per square foot is higher than 92% of them ($541 against a typical $329), it is bigger than 57% of them (1,727 ft² against a typical 1,574 ft²), its lot is bigger than 98% of them (63.96 ac against a typical 1.29 ac) and it is newer than 68% of them (2003 against a typical 1997). Measured against all of Watauga County, it is worth more than 84% 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 3686 River Rd, Todd, NC?

The 2025 property tax bill for 3686 River Rd, Todd, NC was $2,720. The county assessed it at $671,500.

Closest homes

More homes in Todd 28684

Assigned schools

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