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Residential (General/Single)Residential
$239,945$173 / 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 76How 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

398 TERRACE DR

CHIMNEY ROCK, NC 28720
2
Beds
2
Baths
1,390 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1921
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$240K
$182K low$298K 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.$239,945
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$191,956

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,756 (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.$216,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$75,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$141,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$216,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$216,100

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
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.1982
Lot (acres)The size of the land the home sits on, from county records.0.36
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 208 ft²Porch · 40 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 · 13.3 mi
H
R-S Central High SchoolC-
High · Grades 9–12 · 15.6 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 17.5 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

398 Terrace Dr 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 87% of homes in Chimney Rock 28720
  • Costs less per square foot than 95% of homes in Chimney Rock 28720
  • Bigger than 73% of homes in Chimney Rock 28720
  • Has a smaller lot than 85% of homes in Rutherford County
  • Older than 95% of homes in Chimney Rock 28720

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 13% 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$239,945
CheaperTypical $358,894Pricier

Pricier than 13% of homes nearby

Price per ft²$173
CheaperTypical $342Pricier

Pricier than 5% of homes nearby

Living area1,390 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.36 ac
SmallerTypical 0.32 acBigger

Bigger than 54% of homes nearby

Year built1921
OlderTypical 1950Newer

Newer than 5% of homes nearby

How 398 Terrace Dr ranks against every home in each area.
MeasureThis homeChimney Rock 28720Rutherford County
Estimated valuepricier than$239,94513% of homes48% of homes
Price per ft²pricier than$1735% of homes54% of homes
Living areabigger than1,390 ft²73% of homes46% of homes
Lot sizebigger than0.36 ac54% of homes15% of homes
Year builtnewer than19215% of homes5% of homes

About 398 Terrace Dr

How much is 398 Terrace Dr, Chimney Rock, NC worth?

The TopHap Estimate for 398 Terrace Dr, Chimney Rock, NC is $239,945 as of Jul 14, 2026. The likely range is $181,550 to $298,340. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 398 Terrace Dr, Chimney Rock, NC last sell?

398 Terrace Dr, Chimney Rock, NC last sold on May 6, 2025, according to the county's recorded deed.

How big is 398 Terrace Dr, Chimney Rock, NC?

398 Terrace Dr, Chimney Rock, NC has 2 bedrooms, 2 bathrooms, 1,390 square feet of living space and a 0.36-acre lot.

When was 398 Terrace Dr, Chimney Rock, NC built?

398 Terrace Dr, Chimney Rock, NC was built in 1921, making it 105 years old. The building has 1 story.

What schools serve 398 Terrace Dr, Chimney Rock, NC?

398 Terrace Dr, 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 398 Terrace Dr, Chimney Rock, NC compare to other homes in Chimney Rock 28720?

Among the 147 homes in Chimney Rock 28720, it is worth more than 13% of them ($239,945 against a typical $358,894), its price per square foot is higher than 5% of them ($173 against a typical $342), it is bigger than 73% of them (1,390 ft² against a typical 1,056 ft²), its lot is bigger than 54% of them (0.36 ac against a typical 0.32 ac) and it is newer than 5% of them (1921 against a typical 1950). Measured against all of Rutherford County, it is worth more than 48% 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 398 Terrace Dr, Chimney Rock, NC?

The 2025 property tax bill for 398 Terrace Dr, Chimney Rock, NC was $1,756. The county assessed it at $216,100.

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Assigned schools

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