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Single Family ResidentialResidential
$373,931$289 / 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 80How 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 $160,000 on May 10, 2012

405 ROCK LEDGE RD

SPRUCE PINE, NC 28777
3
Beds
3
Baths
1,296 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.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$374K
$298K low$450K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$160,000 · May 10, 2012
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.$223,931
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$179,145
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.39%
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.$150,000
UNITED COMMUNITY BANK · recorded Nov 10, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,542 (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.$241,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$40,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$201,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$241,000

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
25
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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 Residential
CountyMitchell
Lot (acres)The size of the land the home sits on, from county records.0.45
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central

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
Greenlee Primary School
Elementary · Grades PK–2 · 1.0 mi
H
Mayland Early CollegeA
High · Grades 9–12 · 4.3 mi

District: Mitchell County Schools

Neighborhood · ZIP 28777These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.107

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
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.1.3%
PopulationHow many people live in this area.8,757
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.129 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,047
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,203
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.53 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.Owner occupied
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

405 Rock Ledge 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 83% of homes in Mitchell County
  • Costs more per square foot than 89% of homes in Mitchell County
  • Has a smaller lot than 87% of homes in Mitchell County
  • Newer than 73% of homes in Spruce Pine 28777

What homes are worth in Spruce Pine 28777

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

This home
$36K$726K

This home is worth more than 82% of homes in Spruce Pine 28777.

How it measures up in Spruce Pine 28777

The dot is this home. The mark in the middle is the typical home in Spruce Pine 28777.

Estimated value$373,931
CheaperTypical $212,444Pricier

Pricier than 82% of homes nearby

Price per ft²$289
CheaperTypical $177Pricier

Pricier than 88% of homes nearby

Living area1,296 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.45 ac
SmallerTypical 1 acBigger

Bigger than 19% of homes nearby

Year built1988
OlderTypical 1975Newer

Newer than 73% of homes nearby

How 405 Rock Ledge Rd ranks against every home in each area.
MeasureThis homeSpruce Pine 28777Mitchell County
Estimated valuepricier than$373,93182% of homes83% of homes
Price per ft²pricier than$28988% of homes89% of homes
Living areabigger than1,296 ft²47% of homes49% of homes
Lot sizebigger than0.45 ac19% of homes13% of homes
Year builtnewer than198873% of homes73% of homes

About 405 Rock Ledge Rd

How much is 405 Rock Ledge Rd, Spruce Pine, NC worth?

The TopHap Estimate for 405 Rock Ledge Rd, Spruce Pine, NC is $373,931 as of Jul 14, 2026. The likely range is $297,868 to $449,994. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 Rock Ledge Rd, Spruce Pine, NC last sell?

405 Rock Ledge Rd, Spruce Pine, NC last sold on May 10, 2012 for $160,000, according to the county's recorded deed.

How big is 405 Rock Ledge Rd, Spruce Pine, NC?

405 Rock Ledge Rd, Spruce Pine, NC has 3 bedrooms, 3 bathrooms, 1,296 square feet of living space and a 0.45-acre lot.

When was 405 Rock Ledge Rd, Spruce Pine, NC built?

405 Rock Ledge Rd, Spruce Pine, NC was built in 1988, making it 38 years old. The building has 1 story.

What schools serve 405 Rock Ledge Rd, Spruce Pine, NC?

405 Rock Ledge Rd, Spruce Pine, NC is assigned to Greenlee Primary School (elementary); Mayland Early College (high), rated A. All sit in Mitchell County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 405 Rock Ledge Rd, Spruce Pine, NC compare to other homes in Spruce Pine 28777?

Among the 4,939 homes in Spruce Pine 28777, it is worth more than 82% of them ($373,931 against a typical $212,444), its price per square foot is higher than 88% of them ($289 against a typical $177), it is bigger than 47% of them (1,296 ft² against a typical 1,344 ft²), its lot is bigger than 19% of them (0.45 ac against a typical 1 ac) and it is newer than 73% of them (1988 against a typical 1975). Measured against all of Mitchell County, it is worth more than 83% 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 405 Rock Ledge Rd, Spruce Pine, NC?

The 2025 property tax bill for 405 Rock Ledge Rd, Spruce Pine, NC was $1,542. The county assessed it at $241,000.

Closest homes

More homes in Spruce Pine 28777

Assigned schools

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