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Single Family ResidenceResidential
$235,813$218 / 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 72How 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 $260,000 on Jun 29, 2026

686 RATCLIFF COVE RD

WAYNESVILLE, NC 28786
3
Beds
1
Baths
1,080 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.
0.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$236K
$171K low$301K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$260,000 · Jun 29, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$883 (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.$114,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$88,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$114,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$114,900

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.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
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
CountyHAYWOOD
Lot (acres)The size of the land the home sits on, from county records.0.56
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Partial
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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
Junaluska Elementary SchoolA
Elementary · Grades KG–5 · 1.1 mi
H
Tuscola High SchoolB+
High · Grades 9–12 · 2.0 mi
M
Waynesville Middle SchoolB
Middle · Grades 6–8 · 2.4 mi

District: Haywood County Schools

Neighborhood · ZIP 28786These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.118

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.21,955
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.263 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,861
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,246
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.58 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

686 Ratcliff Cove 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 70% of homes in Waynesville 28786
  • Costs less per square foot than 72% of homes in Haywood County
  • Older than 71% of homes in Haywood County

What homes are worth in Waynesville 28786

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

This home
$54K$1.3M

This home is worth more than 30% of homes in Waynesville 28786.

How it measures up in Waynesville 28786

The dot is this home. The mark in the middle is the typical home in Waynesville 28786.

Estimated value$235,813
CheaperTypical $314,592Pricier

Pricier than 30% of homes nearby

Price per ft²$218
CheaperTypical $271Pricier

Pricier than 31% of homes nearby

Living area1,080 ft²
SmallerTypical 1,232 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.56 ac
SmallerTypical 0.61 acBigger

Bigger than 47% of homes nearby

Year built1964
OlderTypical 1979Newer

Newer than 36% of homes nearby

How 686 Ratcliff Cove Rd ranks against every home in each area.
MeasureThis homeWaynesville 28786Haywood County
Estimated valuepricier than$235,81330% of homes31% of homes
Price per ft²pricier than$21831% of homes28% of homes
Living areabigger than1,080 ft²37% of homes42% of homes
Lot sizebigger than0.56 ac47% of homes39% of homes
Year builtnewer than196436% of homes29% of homes

About 686 Ratcliff Cove Rd

How much is 686 Ratcliff Cove Rd, Waynesville, NC worth?

The TopHap Estimate for 686 Ratcliff Cove Rd, Waynesville, NC is $235,813 as of Sep 24, 2026. The likely range is $170,823 to $300,803. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 686 Ratcliff Cove Rd, Waynesville, NC last sell?

686 Ratcliff Cove Rd, Waynesville, NC last sold on Jun 29, 2026 for $260,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 686 Ratcliff Cove Rd, Waynesville, NC?

686 Ratcliff Cove Rd, Waynesville, NC has 3 bedrooms, 1 bathrooms, 1,080 square feet of living space and a 0.56-acre lot.

When was 686 Ratcliff Cove Rd, Waynesville, NC built?

686 Ratcliff Cove Rd, Waynesville, NC was built in 1964, making it 62 years old. It is a conventional home. The building has 1 story.

What schools serve 686 Ratcliff Cove Rd, Waynesville, NC?

686 Ratcliff Cove Rd, Waynesville, NC is assigned to Junaluska Elementary School (elementary), rated A; Tuscola High School (high), rated B+; Waynesville Middle School (middle), rated B. All sit in Haywood County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 686 Ratcliff Cove Rd, Waynesville, NC compare to other homes in Waynesville 28786?

Among the 10,851 homes in Waynesville 28786, it is worth more than 30% of them ($235,813 against a typical $314,592), its price per square foot is higher than 31% of them ($218 against a typical $271), it is bigger than 37% of them (1,080 ft² against a typical 1,232 ft²), its lot is bigger than 47% of them (0.56 ac against a typical 0.61 ac) and it is newer than 36% of them (1964 against a typical 1979). Measured against all of Haywood County, it is worth more than 31% 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 686 Ratcliff Cove Rd, Waynesville, NC?

The 2025 property tax bill for 686 Ratcliff Cove Rd, Waynesville, NC was $883. The county assessed it at $114,900.

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Assigned schools

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