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Single Family ResidenceResidential
$904,872$270 / 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 Sep 24, 2026
Last sold for $303,000 on Aug 19, 2019

45 COTTAGE DR

SAPPHIRE, NC 28774
4
Beds
3.5
Baths
3,350 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.

Valuation

$905K
$701K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$303,000 · Aug 19, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,343 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$695,750 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$665,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$353,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$695,750

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.4 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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
CountyTRANSYLVANIA
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.2002
Lot (acres)The size of the land the home sits on, from county records.0.23
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Not Specified

Transaction History(4)

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

Neighborhood · ZIP 28774These 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.159
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.111

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.38%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
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.1,224
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,334
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,510
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.80 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

45 Cottage 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 89% of homes in Transylvania County
  • Costs less per square foot than 72% of homes in Sapphire 28774
  • Bigger than 93% of homes in Transylvania County
  • Has a smaller lot than 90% of homes in Transylvania County

What homes are worth in Sapphire 28774

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

This home
$120K$2.7M

This home is worth more than 68% of homes in Sapphire 28774.

How it measures up in Sapphire 28774

The dot is this home. The mark in the middle is the typical home in Sapphire 28774.

Estimated value$904,872
CheaperTypical $646,463Pricier

Pricier than 68% of homes nearby

Price per ft²$270
CheaperTypical $335Pricier

Pricier than 28% of homes nearby

Living area3,350 ft²
SmallerTypical 1,920 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.23 ac
SmallerTypical 0.77 acBigger

Bigger than 30% of homes nearby

Year built1989
OlderTypical 1992Newer

Newer than 46% of homes nearby

How 45 Cottage Dr ranks against every home in each area.
MeasureThis homeSapphire 28774Transylvania County
Estimated valuepricier than$904,87268% of homes89% of homes
Price per ft²pricier than$27028% of homes51% of homes
Living areabigger than3,350 ft²87% of homes93% of homes
Lot sizebigger than0.23 ac30% of homes10% of homes
Year builtnewer than198946% of homes59% of homes

About 45 Cottage Dr

How much is 45 Cottage Dr, Sapphire, NC worth?

The TopHap Estimate for 45 Cottage Dr, Sapphire, NC is $904,872 as of Sep 24, 2026. The likely range is $701,262 to $1,108,482. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Cottage Dr, Sapphire, NC last sell?

45 Cottage Dr, Sapphire, NC last sold on Aug 19, 2019 for $303,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 Cottage Dr, Sapphire, NC?

45 Cottage Dr, Sapphire, NC has 4 bedrooms, 3.5 bathrooms, 3,350 square feet of living space and a 0.23-acre lot.

When was 45 Cottage Dr, Sapphire, NC built?

45 Cottage Dr, Sapphire, NC was built in 1989, making it 37 years old.

How does 45 Cottage Dr, Sapphire, NC compare to other homes in Sapphire 28774?

Among the 2,548 homes in Sapphire 28774, it is worth more than 68% of them ($904,872 against a typical $646,463), its price per square foot is higher than 28% of them ($270 against a typical $335), it is bigger than 87% of them (3,350 ft² against a typical 1,920 ft²), its lot is bigger than 30% of them (0.23 ac against a typical 0.77 ac) and it is newer than 46% of them (1989 against a typical 1992). Measured against all of Transylvania County, it is worth more than 89% 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 45 Cottage Dr, Sapphire, NC?

The 2026 property tax bill for 45 Cottage Dr, Sapphire, NC was $3,343. The county assessed it at $695,750.

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