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Single Family ResidentialResidential
$425,943$178 / 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 Sep 24, 2026

498 HIAWASSEE RIVER RD

MURPHY, NC 28906
2
Beds
2 / 2
Baths
2,392 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.
6.76 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.

Valuation

$426K
$322K low$530K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,432 (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.$424,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$117,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$306,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$271,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$424,100

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.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 Residential
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.6.76
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Hayesville Middle SchoolB-
Middle · Grades 6–8 · 6.8 mi
H
Hayesville High SchoolB-
High · Grades 9–12 · 7.0 mi
E
Hayesville Primary School
Elementary · Grades PK–2 · 7.1 mi

District: Clay County Schools

Neighborhood · ZIP 28906These 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.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.125

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
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.0.9%
PopulationHow many people live in this area.20,751
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,416
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,607
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.61 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

498 Hiawassee River 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 84% of homes in Murphy 28906
  • Costs less per square foot than 67% of homes in Murphy 28906
  • Bigger than 94% of homes in Murphy 28906
  • Has a bigger lot than 89% of homes in Clay County

What homes are worth in Murphy 28906

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

This home
$45K$725K

This home is worth more than 84% of homes in Murphy 28906.

How it measures up in Murphy 28906

The dot is this home. The mark in the middle is the typical home in Murphy 28906.

Estimated value$425,943
CheaperTypical $275,424Pricier

Pricier than 84% of homes nearby

Price per ft²$178
CheaperTypical $220Pricier

Pricier than 33% of homes nearby

Living area2,392 ft²
SmallerTypical 1,312 ft²Bigger

Bigger than 94% of homes nearby

Lot size6.76 ac
SmallerTypical 1.35 acBigger

Bigger than 86% of homes nearby

Year built1998
OlderTypical 1996Newer

Newer than 56% of homes nearby

How 498 Hiawassee River Rd ranks against every home in each area.
MeasureThis homeMurphy 28906Clay County
Estimated valuepricier than$425,94384% of homes67% of homes
Price per ft²pricier than$17833% of homes49% of homes
Living areabigger than2,392 ft²94% of homes71% of homes
Lot sizebigger than6.76 ac86% of homes89% of homes
Year builtnewer than199856% of homes58% of homes

About 498 Hiawassee River Rd

How much is 498 Hiawassee River Rd, Murphy, NC worth?

The TopHap Estimate for 498 Hiawassee River Rd, Murphy, NC is $425,943 as of Sep 24, 2026. The likely range is $321,961 to $529,925. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 498 Hiawassee River Rd, Murphy, NC last sell?

498 Hiawassee River Rd, Murphy, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 498 Hiawassee River Rd, Murphy, NC?

498 Hiawassee River Rd, Murphy, NC has 2 bedrooms, 2 bathrooms, 2,392 square feet of living space and a 6.76-acre lot.

When was 498 Hiawassee River Rd, Murphy, NC built?

498 Hiawassee River Rd, Murphy, NC was built in 1998, making it 28 years old.

What schools serve 498 Hiawassee River Rd, Murphy, NC?

498 Hiawassee River Rd, Murphy, NC is assigned to Hayesville Middle School (middle), rated B-; Hayesville High School (high), rated B-; Hayesville Primary School (elementary). All sit in Clay County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 498 Hiawassee River Rd, Murphy, NC compare to other homes in Murphy 28906?

Among the 14,392 homes in Murphy 28906, it is worth more than 84% of them ($425,943 against a typical $275,424), its price per square foot is higher than 33% of them ($178 against a typical $220), it is bigger than 94% of them (2,392 ft² against a typical 1,312 ft²), its lot is bigger than 86% of them (6.76 ac against a typical 1.35 ac) and it is newer than 56% of them (1998 against a typical 1996). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 498 Hiawassee River Rd, Murphy, NC?

The 2026 property tax bill for 498 Hiawassee River Rd, Murphy, NC was $1,432. The county assessed it at $424,100.

More homes on Hiawassee River Rd

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More homes in Murphy 28906

Assigned schools

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