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Single Family ResidenceResidential
$568,459$363 / 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 Jul 14, 2026

646 RUTLEDGE DR

HENDERSONVILLE, NC 28739
3
Beds
1
Baths
1,566 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.
0.73 ac
Lot SizeThe size of the land the home sits on, from county records.
1893
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$568K
$469K low$668K 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.$363,459
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$290,767
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.35%
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.$205,000
FIRST FED'L S&L/CHARLESTON · recorded Dec 1, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$964 (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.$223,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$64,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$159,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$223,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,600

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.15 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.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 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.1965
Lot (acres)The size of the land the home sits on, from county records.0.73
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Steam
CoolingThe type of cooling or air conditioning in the home.None
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.Porch · 771 ft²

Transaction History(3)

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.

M
Flat Rock Middle SchoolB
Middle · Grades 6–8 · 1.2 mi
H
East Henderson High SchoolB-
High · Grades 9–12 · 1.6 mi
E
Atkinson Elementary SchoolB-
Elementary · Grades PK–5 · 2.7 mi

District: Henderson County Schools

Neighborhood · ZIP 28739These 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.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.99

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.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.21,625
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.344 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,417
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,210
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.69 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

646 Rutledge 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 75% of homes in Henderson County
  • Costs more per square foot than 91% of homes in Henderson County
  • Among the oldest homes in Henderson County

What homes are worth in Hendersonville 28739

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

This home
$145K$1.5M

This home is worth more than 64% of homes in Hendersonville 28739.

How it measures up in Hendersonville 28739

The dot is this home. The mark in the middle is the typical home in Hendersonville 28739.

Estimated value$568,459
CheaperTypical $466,616Pricier

Pricier than 64% of homes nearby

Price per ft²$363
CheaperTypical $251Pricier

Pricier than 90% of homes nearby

Living area1,566 ft²
SmallerTypical 1,836 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.73 ac
SmallerTypical 0.71 acBigger

Bigger than 51% of homes nearby

Year built1893
OlderTypical 1986Newer

Older than almost all homes nearby

How 646 Rutledge Dr ranks against every home in each area.
MeasureThis homeHendersonville 28739Henderson County
Estimated valuepricier than$568,45964% of homes75% of homes
Price per ft²pricier than$36390% of homes91% of homes
Living areabigger than1,566 ft²37% of homes42% of homes
Lot sizebigger than0.73 ac51% of homes53% of homes
Year builtnewer than1893almost no homesalmost no homes

About 646 Rutledge Dr

How much is 646 Rutledge Dr, Hendersonville, NC worth?

The TopHap Estimate for 646 Rutledge Dr, Hendersonville, NC is $568,459 as of Jul 14, 2026. The likely range is $468,591 to $668,327. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Rutledge Dr, Hendersonville, NC last sell?

646 Rutledge Dr, Hendersonville, NC last sold on Dec 1, 2009, according to the county's recorded deed.

How big is 646 Rutledge Dr, Hendersonville, NC?

646 Rutledge Dr, Hendersonville, NC has 3 bedrooms, 1 bathrooms, 1,566 square feet of living space and a 0.73-acre lot.

When was 646 Rutledge Dr, Hendersonville, NC built?

646 Rutledge Dr, Hendersonville, NC was built in 1893, making it 133 years old. It is a conventional home. The building has 1 story.

What schools serve 646 Rutledge Dr, Hendersonville, NC?

646 Rutledge Dr, Hendersonville, NC is assigned to Flat Rock Middle School (middle), rated B; East Henderson High School (high), rated B-; Atkinson 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 646 Rutledge Dr, Hendersonville, NC compare to other homes in Hendersonville 28739?

Among the 11,074 homes in Hendersonville 28739, it is worth more than 64% of them ($568,459 against a typical $466,616), its price per square foot is higher than 90% of them ($363 against a typical $251), it is bigger than 37% of them (1,566 ft² against a typical 1,836 ft²), its lot is bigger than 51% of them (0.73 ac against a typical 0.71 ac) and it is newer than almost none of them (1893 against a typical 1986). Measured against all of Henderson County, it is worth more than 75% 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 646 Rutledge Dr, Hendersonville, NC?

The 2025 property tax bill for 646 Rutledge Dr, Hendersonville, NC was $964. The county assessed it at $223,600.

Closest homes

More homes in Hendersonville 28739

Assigned schools

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