Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$785,734$314 / 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 82How 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 $325,000 on Dec 22, 2003

645 RIVER RD

RUTHERFORDTON, NC 28139
4
Beds
4 / 1
Baths
2,502 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.
5.41 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$786K
$644K low$927K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$325,000 · Dec 22, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,507 (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.$601,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$534,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$601,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$601,400

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.55 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 Residential
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyRutherford
Lot (acres)The size of the land the home sits on, from county records.5.41
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 · 16 ft²Patio · 31 ft²Porch · 909 ft²

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

E
Rutherfordton Elementary SchoolB
Elementary · Grades PK–5 · 5.4 mi
H
R-S Central High SchoolC
High · Grades 9–12 · 5.7 mi
M
R-S Middle SchoolC+
Middle · Grades 6–8 · 6.5 mi

District: Rutherford County Schools

Neighborhood · ZIP 28139These 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.106
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 100.85

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.87%
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.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Owner Tools

Do you own this home?
Claim this home

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

645 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 97% of homes in Rutherfordton 28139
  • Costs more per square foot than 92% of homes in Rutherfordton 28139
  • Bigger than 93% of homes in Rutherford County
  • Has a bigger lot than 84% of homes in Rutherford County
  • Newer than 81% of homes in Rutherford County

What homes are worth in Rutherfordton 28139

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

This home
$70K$848K

This home is worth more than 97% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$785,734
CheaperTypical $291,499Pricier

Pricier than 97% of homes nearby

Price per ft²$314
CheaperTypical $181Pricier

Pricier than 92% of homes nearby

Living area2,502 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 90% of homes nearby

Lot size5.41 ac
SmallerTypical 1.78 acBigger

Bigger than 78% of homes nearby

Year built2001
OlderTypical 1985Newer

Newer than 78% of homes nearby

How 645 River Rd ranks against every home in each area.
MeasureThis homeRutherfordton 28139Rutherford County
Estimated valuepricier than$785,73497% of homes96% of homes
Price per ft²pricier than$31492% of homes88% of homes
Living areabigger than2,502 ft²90% of homes93% of homes
Lot sizebigger than5.41 ac78% of homes84% of homes
Year builtnewer than200178% of homes81% of homes

About 645 River Rd

How much is 645 River Rd, Rutherfordton, NC worth?

The TopHap Estimate for 645 River Rd, Rutherfordton, NC is $785,734 as of Sep 24, 2026. The likely range is $644,194 to $927,274. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 River Rd, Rutherfordton, NC last sell?

645 River Rd, Rutherfordton, NC last sold on Dec 22, 2003 for $325,000, according to the county's recorded deed.

How big is 645 River Rd, Rutherfordton, NC?

645 River Rd, Rutherfordton, NC has 4 bedrooms, 4 bathrooms, 2,502 square feet of living space and a 5.41-acre lot.

When was 645 River Rd, Rutherfordton, NC built?

645 River Rd, Rutherfordton, NC was built in 2001, making it 25 years old. It is a split level home. The building has 2 stories.

What schools serve 645 River Rd, Rutherfordton, NC?

645 River Rd, Rutherfordton, NC is assigned to Rutherfordton Elementary School (elementary), rated B; 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 645 River Rd, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,473 homes in Rutherfordton 28139, it is worth more than 97% of them ($785,734 against a typical $291,499), its price per square foot is higher than 92% of them ($314 against a typical $181), it is bigger than 90% of them (2,502 ft² against a typical 1,536 ft²), its lot is bigger than 78% of them (5.41 ac against a typical 1.78 ac) and it is newer than 78% of them (2001 against a typical 1985). 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 645 River Rd, Rutherfordton, NC?

The 2025 property tax bill for 645 River Rd, Rutherfordton, NC was $3,507. The county assessed it at $601,400.

More homes on River Rd

Closest homes

More homes in Rutherfordton 28139

Assigned schools

Explore the area

See this home in context

Open 645 River Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map