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Residential (General/Single)Residential
$859,382$2,106 / 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 84How 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
Last sold for $800,000 on Jul 22, 2022

639 MAIN ST

CHIMNEY ROCK, NC 28720
1
Beds
1
Baths
408 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.
40.94 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$859K
$723K low$996K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$800,000 · Jul 22, 2022
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.$209,382
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$167,506
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.67%
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.$650,000
UNITED FCU · recorded Jul 22, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,596 (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.$686,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$515,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$170,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,731,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$686,300

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.183 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.Residential (General/Single)
CountyRutherford
Lot (acres)The size of the land the home sits on, from county records.40.94
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
CoolingThe type of cooling or air conditioning in the home.Partial
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 32 ft²Patio · 4,262 ft²Porch · 8,877 ft²

Transaction History(1)

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 · 14.3 mi
H
R-S Central High SchoolC-
High · Grades 9–12 · 16.6 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 18.4 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

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.Yes

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

639 Main St 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 96% of homes in Chimney Rock 28720
  • Among the highest price per square foot in Rutherford County
  • Among the smallest homes in Rutherford County
  • Among the largest lots in Chimney Rock 28720
  • Newer than 78% of homes in Chimney Rock 28720

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 96% 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$859,382
CheaperTypical $358,894Pricier

Pricier than 96% of homes nearby

Price per ft²$2106
CheaperTypical $342Pricier

Pricier than almost all homes nearby

Living area408 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 5% of homes nearby

Lot size40.94 ac
SmallerTypical 0.32 acBigger

Bigger than almost all homes nearby

Year built1999
OlderTypical 1950Newer

Newer than 78% of homes nearby

How 639 Main St ranks against every home in each area.
MeasureThis homeChimney Rock 28720Rutherford County
Estimated valuepricier than$859,38296% of homes96% of homes
Price per ft²pricier than$2106almost all homesalmost all homes
Living areabigger than408 ft²5% of homesalmost no homes
Lot sizebigger than40.94 acalmost all homes98% of homes
Year builtnewer than199978% of homes77% of homes

About 639 Main St

How much is 639 Main St, Chimney Rock, NC worth?

The TopHap Estimate for 639 Main St, Chimney Rock, NC is $859,382 as of Jul 14, 2026. The likely range is $722,620 to $996,144. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 639 Main St, Chimney Rock, NC last sell?

639 Main St, Chimney Rock, NC last sold on Jul 22, 2022 for $800,000, according to the county's recorded deed.

How big is 639 Main St, Chimney Rock, NC?

639 Main St, Chimney Rock, NC has 1 bedrooms, 1 bathrooms, 408 square feet of living space and a 40.94-acre lot.

When was 639 Main St, Chimney Rock, NC built?

639 Main St, Chimney Rock, NC was built in 1999, making it 27 years old. The building has 1 story.

What schools serve 639 Main St, Chimney Rock, NC?

639 Main St, 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 639 Main St, Chimney Rock, NC compare to other homes in Chimney Rock 28720?

Among the 147 homes in Chimney Rock 28720, it is worth more than 96% of them ($859,382 against a typical $358,894), its price per square foot is higher than almost all of them ($2106 against a typical $342), it is bigger than 5% of them (408 ft² against a typical 1,056 ft²), its lot is bigger than almost all of them (40.94 ac against a typical 0.32 ac) and it is newer than 78% of them (1999 against a typical 1950). Measured against all of Rutherford County, it is worth more than 96% 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 639 Main St, Chimney Rock, NC?

The 2025 property tax bill for 639 Main St, Chimney Rock, NC was $3,596. The county assessed it at $686,300.

Closest homes

More homes in Chimney Rock 28720

Assigned schools

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