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Single Family ResidenceResidential
$300,606$275 / 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 79How 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 $163,000 on Mar 24, 2020

649 ARNETT RD

BANNER ELK, NC 28604
3
Beds
1
Baths
1,092 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.
0.94 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$301K
$236K low$365K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$163,000 · Mar 24, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$688 (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.$172,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$139,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$172,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$172,000

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.25
76
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.69 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.26%
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
CountyAvery
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.1994
Lot (acres)The size of the land the home sits on, from county records.0.94
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Asbestos
HeatingThe type of heating system in the home.Baseboard
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.Deck · 60 ft²Patio · 60 ft²Porch · 292 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
Banner Elk Elementary SchoolA-
Elementary · Grades PK–5 · 1.5 mi
M
Avery Middle SchoolD-
Middle · Grades 6–8 · 6.6 mi
H
Avery County High SchoolD+
High · Grades 9–12 · 6.8 mi

District: Avery County Schools

Neighborhood · ZIP 28604These 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.134
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 100.101

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.37%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
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.1.0%
PopulationHow many people live in this area.6,804
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.101 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,426
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,578
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

649 Arnett 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 less than 69% of homes in Banner Elk 28604
  • Smaller than 77% of homes in Banner Elk 28604

What homes are worth in Banner Elk 28604

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

This home
$91K$2.8M

This home is worth more than 31% of homes in Banner Elk 28604.

How it measures up in Banner Elk 28604

The dot is this home. The mark in the middle is the typical home in Banner Elk 28604.

Estimated value$300,606
CheaperTypical $455,355Pricier

Pricier than 31% of homes nearby

Price per ft²$275
CheaperTypical $312Pricier

Pricier than 36% of homes nearby

Living area1,092 ft²
SmallerTypical 1,674 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.94 ac
SmallerTypical 0.72 acBigger

Bigger than 56% of homes nearby

Year built1984
OlderTypical 1988Newer

Newer than 44% of homes nearby

How 649 Arnett Rd ranks against every home in each area.
MeasureThis homeBanner Elk 28604Avery County
Estimated valuepricier than$300,60631% of homes60% of homes
Price per ft²pricier than$27536% of homes58% of homes
Living areabigger than1,092 ft²23% of homes25% of homes
Lot sizebigger than0.94 ac56% of homes41% of homes
Year builtnewer than198444% of homes48% of homes

About 649 Arnett Rd

How much is 649 Arnett Rd, Banner Elk, NC worth?

The TopHap Estimate for 649 Arnett Rd, Banner Elk, NC is $300,606 as of Sep 24, 2026. The likely range is $236,245 to $364,967. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 649 Arnett Rd, Banner Elk, NC last sell?

649 Arnett Rd, Banner Elk, NC last sold on Mar 24, 2020 for $163,000, according to the county's recorded deed.

How big is 649 Arnett Rd, Banner Elk, NC?

649 Arnett Rd, Banner Elk, NC has 3 bedrooms, 1 bathrooms, 1,092 square feet of living space and a 0.94-acre lot.

When was 649 Arnett Rd, Banner Elk, NC built?

649 Arnett Rd, Banner Elk, NC was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 649 Arnett Rd, Banner Elk, NC?

649 Arnett Rd, Banner Elk, NC is assigned to Banner Elk Elementary School (elementary), rated A-; Avery Middle School (middle), rated D-; Avery County High School (high), rated D+. All sit in Avery County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 649 Arnett Rd, Banner Elk, NC compare to other homes in Banner Elk 28604?

Among the 11,820 homes in Banner Elk 28604, it is worth more than 31% of them ($300,606 against a typical $455,355), its price per square foot is higher than 36% of them ($275 against a typical $312), it is bigger than 23% of them (1,092 ft² against a typical 1,674 ft²), its lot is bigger than 56% of them (0.94 ac against a typical 0.72 ac) and it is newer than 44% of them (1984 against a typical 1988). Measured against all of Avery County, it is worth more than 60% 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 649 Arnett Rd, Banner Elk, NC?

The 2025 property tax bill for 649 Arnett Rd, Banner Elk, NC was $688. The county assessed it at $172,000.

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