Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$430,577$1,055 / 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 86How 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

40 RIVERSIDE COTTAGES DR

HENDERSONVILLE, NC 28792
1
Baths
408 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.
1.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$431K
$369K low$492K 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.$30,577
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$24,462
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.94%
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.$400,000
PENNIE MELTON · recorded Feb 1, 2022

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$59,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$56,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$3,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$59,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.30
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.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.1975
Lot (acres)The size of the land the home sits on, from county records.1.80
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.None
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.Porch · 12 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
Edneyville Elementary SchoolC
Elementary · Grades PK–5 · 7.1 mi
M
Apple Valley Middle SchoolB
Middle · Grades 6–8 · 9.8 mi
H
North Henderson High SchoolA-
High · Grades 9–12 · 9.8 mi

District: Henderson County Schools

Neighborhood · ZIP 28792These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.97

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.89%
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.18%
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.37,548
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.371 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,949
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,875
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.57 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

40 Riverside Cottages 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 more than 65% of homes in Hendersonville 28792
  • Among the highest price per square foot in Hendersonville 28792
  • Among the smallest homes in Henderson County
  • Has a bigger lot than 80% of homes in Henderson County
  • Older than 92% of homes in Henderson County

What homes are worth in Hendersonville 28792

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

This home
$125K$1M

This home is worth more than 65% of homes in Hendersonville 28792.

How it measures up in Hendersonville 28792

The dot is this home. The mark in the middle is the typical home in Hendersonville 28792.

Estimated value$430,577
CheaperTypical $372,294Pricier

Pricier than 65% of homes nearby

Price per ft²$1055
CheaperTypical $239Pricier

Pricier than almost all homes nearby

Living area408 ft²
SmallerTypical 1,557 ft²Bigger

Smaller than almost all homes nearby

Lot size1.8 ac
SmallerTypical 0.69 acBigger

Bigger than 79% of homes nearby

Year built1946
OlderTypical 1990Newer

Newer than 10% of homes nearby

How 40 Riverside Cottages Dr ranks against every home in each area.
MeasureThis homeHendersonville 28792Henderson County
Estimated valuepricier than$430,57765% of homes52% of homes
Price per ft²pricier than$1055almost all homesalmost all homes
Living areabigger than408 ft²almost no homesalmost no homes
Lot sizebigger than1.8 ac79% of homes80% of homes
Year builtnewer than194610% of homes8% of homes

About 40 Riverside Cottages Dr

How much is 40 Riverside Cottages Dr, Hendersonville, NC worth?

The TopHap Estimate for 40 Riverside Cottages Dr, Hendersonville, NC is $430,577 as of Jul 14, 2026. The likely range is $368,671 to $492,483. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Riverside Cottages Dr, Hendersonville, NC last sell?

40 Riverside Cottages Dr, Hendersonville, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 40 Riverside Cottages Dr, Hendersonville, NC?

40 Riverside Cottages Dr, Hendersonville, NC has 1 bathrooms, 408 square feet of living space and a 1.80-acre lot.

When was 40 Riverside Cottages Dr, Hendersonville, NC built?

40 Riverside Cottages Dr, Hendersonville, NC was built in 1946, making it 80 years old. It is a conventional home. The building has 1 story.

What schools serve 40 Riverside Cottages Dr, Hendersonville, NC?

40 Riverside Cottages Dr, Hendersonville, NC is assigned to Edneyville Elementary School (elementary), rated C; Apple Valley Middle School (middle), rated B; North Henderson High School (high), rated A-. All sit in Henderson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Riverside Cottages Dr, Hendersonville, NC compare to other homes in Hendersonville 28792?

Among the 14,231 homes in Hendersonville 28792, it is worth more than 65% of them ($430,577 against a typical $372,294), its price per square foot is higher than almost all of them ($1055 against a typical $239), it is bigger than almost none of them (408 ft² against a typical 1,557 ft²), its lot is bigger than 79% of them (1.8 ac against a typical 0.69 ac) and it is newer than 10% of them (1946 against a typical 1990). Measured against all of Henderson County, it is worth more than 52% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Hendersonville 28792

Assigned schools

Explore the area

See this home in context

Open 40 Riverside Cottages Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map