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Single Family ResidenceResidential
$611,721$353 / 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 79How 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

397 MAIN ST

CHIMNEY ROCK, NC 28720
1
Baths
1,734 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1926
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$612K
$480K low$743K 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.$329,721
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$263,777
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.47%
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.$282,000
FIRST CITIZENS BANK & TRUST CO · recorded May 5, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$654 (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.$59,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$56,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$197,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$59,500

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.78 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
CountyRutherford
Lot (acres)The size of the land the home sits on, from county records.0.13
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
CoolingThe type of cooling or air conditioning in the home.Fan Cooling
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 · 960 ft²Patio · 1,524 ft²Porch · 144 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
Pinnacle Elementary SchoolC
Elementary · Grades PK–5 · 13.7 mi
H
R-S Central High SchoolC-
High · Grades 9–12 · 16.0 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 17.9 mi

District: Rutherford County Schools

Neighborhood · ZIP 28720These 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.186
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 100.92

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.39%
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.13%
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.0
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,242
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$114,693
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.64 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

397 Main 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 more than 91% of homes in Rutherford County
  • Costs more per square foot than 90% of homes in Rutherford County
  • Bigger than 84% of homes in Chimney Rock 28720
  • Has a smaller lot than 98% of homes in Rutherford County
  • Older than 93% of homes in Rutherford County

What homes are worth in Chimney Rock 28720

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

This home
$130K$977K

This home is worth more than 87% of homes in Chimney Rock 28720.

How it measures up in Chimney Rock 28720

The dot is this home. The mark in the middle is the typical home in Chimney Rock 28720.

Estimated value$611,721
CheaperTypical $358,894Pricier

Pricier than 87% of homes nearby

Price per ft²$353
CheaperTypical $342Pricier

Pricier than 54% of homes nearby

Living area1,734 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.13 ac
SmallerTypical 0.32 acBigger

Bigger than 24% of homes nearby

Year built1926
OlderTypical 1950Newer

Newer than 10% of homes nearby

How 397 Main St ranks against every home in each area.
MeasureThis homeChimney Rock 28720Rutherford County
Estimated valuepricier than$611,72187% of homes91% of homes
Price per ft²pricier than$35354% of homes90% of homes
Living areabigger than1,734 ft²84% of homes71% of homes
Lot sizebigger than0.13 ac24% of homes2% of homes
Year builtnewer than192610% of homes7% of homes

About 397 Main St

How much is 397 Main St, Chimney Rock, NC worth?

The TopHap Estimate for 397 Main St, Chimney Rock, NC is $611,721 as of Jul 14, 2026. The likely range is $480,366 to $743,076. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 397 Main St, Chimney Rock, NC last sell?

397 Main St, Chimney Rock, NC last sold on Aug 18, 2020, according to the county's recorded deed.

How big is 397 Main St, Chimney Rock, NC?

397 Main St, Chimney Rock, NC has 1 bathrooms, 1,734 square feet of living space and a 0.13-acre lot.

When was 397 Main St, Chimney Rock, NC built?

397 Main St, Chimney Rock, NC was built in 1926, making it 100 years old. The building has 1 story.

What schools serve 397 Main St, Chimney Rock, NC?

397 Main St, Chimney Rock, NC is assigned to Pinnacle Elementary School (elementary), rated C; R-S Central High School (high), rated C-; R-S Middle School (middle), rated C-. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 397 Main St, Chimney Rock, NC compare to other homes in Chimney Rock 28720?

Among the 147 homes in Chimney Rock 28720, it is worth more than 87% of them ($611,721 against a typical $358,894), its price per square foot is higher than 54% of them ($353 against a typical $342), it is bigger than 84% of them (1,734 ft² against a typical 1,056 ft²), its lot is bigger than 24% of them (0.13 ac against a typical 0.32 ac) and it is newer than 10% of them (1926 against a typical 1950). Measured against all of Rutherford County, it is worth more than 91% 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 397 Main St, Chimney Rock, NC?

The 2025 property tax bill for 397 Main St, Chimney Rock, NC was $654. The county assessed it at $59,500.

Closest homes

More homes in Chimney Rock 28720

Assigned schools

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