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Single Family ResidentialResidential
$328,667$213 / 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 83How 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

549 TERRACE DR

CHIMNEY ROCK, NC 28720
3
Beds
2 / 1
Baths
1,540 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 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$329K
$273K low$385K 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.$253,667
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$202,934
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.22%
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.$75,000
STATE EMPLOYEES CU · recorded Dec 12, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,203 (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.$137,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$54,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$83,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$137,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$137,500

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyRutherford
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.1976
Lot (acres)The size of the land the home sits on, from county records.1.00
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.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Fan Cooling
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.Deck · 25 ft²Patio · 193 ft²Porch · 50 ft²

Transaction History(6)

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
Pinnacle Elementary SchoolC
Elementary · Grades PK–5 · 13.2 mi
H
R-S Central High SchoolC-
High · Grades 9–12 · 15.6 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 17.4 mi

District: Rutherford County Schools

Neighborhood · ZIP 28720These 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.186
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

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.39%
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.13%
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.0
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,242
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$114,693
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.64 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

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

549 Terrace 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 67% of homes in Rutherford County
  • Costs less per square foot than 90% of homes in Chimney Rock 28720
  • Bigger than 82% of homes in Chimney Rock 28720
  • Has a bigger lot than 85% of homes in Chimney Rock 28720
  • Older than 84% of homes in Rutherford County

What homes are worth in Chimney Rock 28720

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

This home
$130K$977K

This home is worth more than 38% of homes in Chimney Rock 28720.

How it measures up in Chimney Rock 28720

The dot is this home. The mark in the middle is the typical home in Chimney Rock 28720.

Estimated value$328,667
CheaperTypical $358,894Pricier

Pricier than 38% of homes nearby

Price per ft²$213
CheaperTypical $342Pricier

Pricier than 10% of homes nearby

Living area1,540 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 82% of homes nearby

Lot size1 ac
SmallerTypical 0.32 acBigger

Bigger than 85% of homes nearby

Year built1945
OlderTypical 1950Newer

Newer than 36% of homes nearby

How 549 Terrace Dr ranks against every home in each area.
MeasureThis homeChimney Rock 28720Rutherford County
Estimated valuepricier than$328,66738% of homes67% of homes
Price per ft²pricier than$21310% of homes69% of homes
Living areabigger than1,540 ft²82% of homes58% of homes
Lot sizebigger than1 ac85% of homes49% of homes
Year builtnewer than194536% of homes16% of homes

About 549 Terrace Dr

How much is 549 Terrace Dr, Chimney Rock, NC worth?

The TopHap Estimate for 549 Terrace Dr, Chimney Rock, NC is $328,667 as of Jul 14, 2026. The likely range is $272,805 to $384,529. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 549 Terrace Dr, Chimney Rock, NC last sell?

549 Terrace Dr, Chimney Rock, NC last sold on Jun 11, 2021, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 549 Terrace Dr, Chimney Rock, NC?

549 Terrace Dr, Chimney Rock, NC has 3 bedrooms, 2 bathrooms, 1,540 square feet of living space and a 1.00-acre lot.

When was 549 Terrace Dr, Chimney Rock, NC built?

549 Terrace Dr, Chimney Rock, NC was built in 1945, making it 81 years old. The building has 1 story.

What schools serve 549 Terrace Dr, Chimney Rock, NC?

549 Terrace Dr, Chimney Rock, 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 549 Terrace Dr, Chimney Rock, NC compare to other homes in Chimney Rock 28720?

Among the 147 homes in Chimney Rock 28720, it is worth more than 38% of them ($328,667 against a typical $358,894), its price per square foot is higher than 10% of them ($213 against a typical $342), it is bigger than 82% of them (1,540 ft² against a typical 1,056 ft²), its lot is bigger than 85% of them (1 ac against a typical 0.32 ac) and it is newer than 36% of them (1945 against a typical 1950). Measured against all of Rutherford County, it is worth more than 67% 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 549 Terrace Dr, Chimney Rock, NC?

The 2025 property tax bill for 549 Terrace Dr, Chimney Rock, NC was $1,203. The county assessed it at $137,500.

Closest homes

More homes in Chimney Rock 28720

Assigned schools

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