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Single Family ResidenceResidential
$217,878$384 / 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 89How 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

55 BARBARA STEPP LN

EAST FLAT ROCK, NC 28726
1
Baths
568 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.
1.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$218K
$193K low$243K 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.$144,278
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$115,422
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.36%
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.$73,600
COUNTRYWIDE HOME LOANS INC · R · recorded Jun 1, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$531 (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.$94,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$49,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$45,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$94,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$94,700

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.47
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
51
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 Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHENDERSON
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.1960
Lot (acres)The size of the land the home sits on, from county records.1.39
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
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 · 160 ft²Porch · 44 ft²

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

H
East Henderson High SchoolB-
High · Grades 9–12 · 0.8 mi
M
Flat Rock Middle SchoolB
Middle · Grades 6–8 · 1.3 mi
E
Upward Elementary SchoolB-
Elementary · Grades PK–5 · 1.5 mi

District: Henderson County Schools

Neighborhood · ZIP 28726These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
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.93%
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.0.8%
PopulationHow many people live in this area.2,776
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,121 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$50,886
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,010
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.62 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.Absentee owner
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

55 Barbara Stepp Ln 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 92% of homes in Henderson County
  • Costs more per square foot than 97% of homes in East Flat Rock 28726
  • Among the smallest homes in East Flat Rock 28726
  • Has a bigger lot than 93% of homes in East Flat Rock 28726
  • Older than 90% of homes in Henderson County

What homes are worth in East Flat Rock 28726

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

This home
$140K$592K

This home is worth more than 17% of homes in East Flat Rock 28726.

How it measures up in East Flat Rock 28726

The dot is this home. The mark in the middle is the typical home in East Flat Rock 28726.

Estimated value$217,878
CheaperTypical $304,670Pricier

Pricier than 17% of homes nearby

Price per ft²$384
CheaperTypical $242Pricier

Pricier than 97% of homes nearby

Living area568 ft²
SmallerTypical 1,250 ft²Bigger

Smaller than almost all homes nearby

Lot size1.39 ac
SmallerTypical 0.36 acBigger

Bigger than 93% of homes nearby

Year built1950
OlderTypical 1973Newer

Newer than 19% of homes nearby

How 55 Barbara Stepp Ln ranks against every home in each area.
MeasureThis homeEast Flat Rock 28726Henderson County
Estimated valuepricier than$217,87817% of homes8% of homes
Price per ft²pricier than$38497% of homes93% of homes
Living areabigger than568 ft²almost no homesalmost no homes
Lot sizebigger than1.39 ac93% of homes75% of homes
Year builtnewer than195019% of homes10% of homes

About 55 Barbara Stepp Ln

How much is 55 Barbara Stepp Ln, East Flat Rock, NC worth?

The TopHap Estimate for 55 Barbara Stepp Ln, East Flat Rock, NC is $217,878 as of Jul 14, 2026. The likely range is $193,097 to $242,659. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 55 Barbara Stepp Ln, East Flat Rock, NC last sell?

55 Barbara Stepp Ln, East Flat Rock, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 55 Barbara Stepp Ln, East Flat Rock, NC?

55 Barbara Stepp Ln, East Flat Rock, NC has 1 bathrooms, 568 square feet of living space and a 1.39-acre lot.

When was 55 Barbara Stepp Ln, East Flat Rock, NC built?

55 Barbara Stepp Ln, East Flat Rock, NC was built in 1950, making it 76 years old. It is a conventional home. The building has 1 story.

What schools serve 55 Barbara Stepp Ln, East Flat Rock, NC?

55 Barbara Stepp Ln, East Flat Rock, NC is assigned to East Henderson High School (high), rated B-; Flat Rock Middle School (middle), rated B; Upward Elementary School (elementary), rated B-. All sit in Henderson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 55 Barbara Stepp Ln, East Flat Rock, NC compare to other homes in East Flat Rock 28726?

Among the 1,111 homes in East Flat Rock 28726, it is worth more than 17% of them ($217,878 against a typical $304,670), its price per square foot is higher than 97% of them ($384 against a typical $242), it is bigger than almost none of them (568 ft² against a typical 1,250 ft²), its lot is bigger than 93% of them (1.39 ac against a typical 0.36 ac) and it is newer than 19% of them (1950 against a typical 1973). Measured against all of Henderson County, it is worth more than 8% 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 55 Barbara Stepp Ln, East Flat Rock, NC?

The 2025 property tax bill for 55 Barbara Stepp Ln, East Flat Rock, NC was $531. The county assessed it at $94,700.

Closest homes

More homes in East Flat Rock 28726

Assigned schools

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