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Single Family ResidentialResidential
$406,477$198 / 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 77How 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

449 ROCK RIDGE RD

LAKE LURE, NC 28746
2
Beds
2
Baths
2,053 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.
5.15 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$406K
$311K low$502K 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.$126,577
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$101,262
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.69%
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.$279,900
USAA FSB · recorded Jun 22, 2012

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.$467,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$387,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$467,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$467,400

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyRutherford
Lot (acres)The size of the land the home sits on, from county records.5.15
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.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Partial
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 · 40 ft²Porch · 942 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

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 · 8.9 mi
H
R-S Central High SchoolC-
High · Grades 9–12 · 10.6 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 12.4 mi

District: Rutherford County Schools

Neighborhood · ZIP 28746These 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.167
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
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.47%
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.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.2,650
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.46 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,192
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,303
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.60 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

449 Rock Ridge 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 less than 77% of homes in Lake Lure 28746
  • Costs less per square foot than 95% of homes in Lake Lure 28746
  • Bigger than 85% of homes in Rutherford County
  • Has a bigger lot than 92% of homes in Lake Lure 28746
  • Newer than 85% of homes in Rutherford County

What homes are worth in Lake Lure 28746

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

This home
$203K$1.9M

This home is worth more than 23% of homes in Lake Lure 28746.

How it measures up in Lake Lure 28746

The dot is this home. The mark in the middle is the typical home in Lake Lure 28746.

Estimated value$406,477
CheaperTypical $581,977Pricier

Pricier than 23% of homes nearby

Price per ft²$198
CheaperTypical $382Pricier

Pricier than 5% of homes nearby

Living area2,053 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 80% of homes nearby

Lot size5.15 ac
SmallerTypical 0.78 acBigger

Bigger than 92% of homes nearby

Year built2004
OlderTypical 1995Newer

Newer than 71% of homes nearby

How 449 Rock Ridge Rd ranks against every home in each area.
MeasureThis homeLake Lure 28746Rutherford County
Estimated valuepricier than$406,47723% of homes77% of homes
Price per ft²pricier than$1985% of homes65% of homes
Living areabigger than2,053 ft²80% of homes85% of homes
Lot sizebigger than5.15 ac92% of homes83% of homes
Year builtnewer than200471% of homes85% of homes

About 449 Rock Ridge Rd

How much is 449 Rock Ridge Rd, Lake Lure, NC worth?

The TopHap Estimate for 449 Rock Ridge Rd, Lake Lure, NC is $406,477 as of Jul 14, 2026. The likely range is $311,193 to $501,761. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 449 Rock Ridge Rd, Lake Lure, NC last sell?

449 Rock Ridge Rd, Lake Lure, NC last sold on Jun 22, 2012, according to the county's recorded deed.

How big is 449 Rock Ridge Rd, Lake Lure, NC?

449 Rock Ridge Rd, Lake Lure, NC has 2 bedrooms, 2 bathrooms, 2,053 square feet of living space and a 5.15-acre lot.

When was 449 Rock Ridge Rd, Lake Lure, NC built?

449 Rock Ridge Rd, Lake Lure, NC was built in 2004, making it 22 years old. It is a split level home. The building has 2 stories.

What schools serve 449 Rock Ridge Rd, Lake Lure, NC?

449 Rock Ridge Rd, Lake Lure, 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 449 Rock Ridge Rd, Lake Lure, NC compare to other homes in Lake Lure 28746?

Among the 3,230 homes in Lake Lure 28746, it is worth more than 23% of them ($406,477 against a typical $581,977), its price per square foot is higher than 5% of them ($198 against a typical $382), it is bigger than 80% of them (2,053 ft² against a typical 1,456 ft²), its lot is bigger than 92% of them (5.15 ac against a typical 0.78 ac) and it is newer than 71% of them (2004 against a typical 1995). Measured against all of Rutherford County, it is worth more than 77% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Rock Ridge Rd

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More homes in Lake Lure 28746

Assigned schools

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