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Seasonal, Cabin, Vacation ResidenceResidential
$820,859$428 / 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 78How 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

747 ROUGH RIDGE RD

SUGAR MOUNTAIN, NC 28604
2
Beds
2
Baths
1,920 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.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$821K
$643K low$998K 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.$540,959
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$432,767
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.28%
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.$249,900
MOVEMENT MORTGAGE · recorded Jun 2, 2025
2nd 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.$30,000
BRANCH BANKING AND TRUST CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,622 (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.$385,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$38,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$347,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$364,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$385,600

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.16
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Seasonal, Cabin, Vacation Residence
CountyAvery
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.Metal
HeatingThe type of heating system in the home.Hot Water
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 · 320 ft²Patio · 320 ft²Porch · 520 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 · 2.4 mi
M
Avery Middle SchoolD-
Middle · Grades 6–8 · 4.2 mi
H
Avery County High SchoolD+
High · Grades 9–12 · 4.2 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%

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.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

747 Rough Ridge 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 86% of homes in Avery County
  • Costs more per square foot than 79% of homes in Avery County
  • Newer than 76% of homes in Avery County

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
$93K$2.9M

This home is worth more than 81% 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$820,859
CheaperTypical $452,456Pricier

Pricier than 81% of homes nearby

Price per ft²$428
CheaperTypical $314Pricier

Pricier than 78% of homes nearby

Living area1,920 ft²
SmallerTypical 1,672 ft²Bigger

Bigger than 60% of homes nearby

Year built2002
OlderTypical 1988Newer

Newer than 71% of homes nearby

How 747 Rough Ridge Rd ranks against every home in each area.
MeasureThis homeBanner Elk 28604Avery County
Estimated valuepricier than$820,85981% of homes86% of homes
Price per ft²pricier than$42878% of homes79% of homes
Living areabigger than1,920 ft²60% of homes64% of homes
Year builtnewer than200271% of homes76% of homes

About 747 Rough Ridge Rd

How much is 747 Rough Ridge Rd, Sugar Mountain, NC worth?

The TopHap Estimate for 747 Rough Ridge Rd, Sugar Mountain, NC is $820,859 as of Jul 14, 2026. The likely range is $643,318 to $998,399. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 747 Rough Ridge Rd, Sugar Mountain, NC?

747 Rough Ridge Rd, Sugar Mountain, NC has 2 bedrooms, 2 bathrooms and 1,920 square feet of living space.

When was 747 Rough Ridge Rd, Sugar Mountain, NC built?

747 Rough Ridge Rd, Sugar Mountain, NC was built in 2002, making it 24 years old. The building has 1 story.

What schools serve 747 Rough Ridge Rd, Sugar Mountain, NC?

747 Rough Ridge Rd, Sugar Mountain, 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 747 Rough Ridge Rd, Sugar Mountain, NC compare to other homes in Banner Elk 28604?

Among the 11,889 homes in Banner Elk 28604, it is worth more than 81% of them ($820,859 against a typical $452,456), its price per square foot is higher than 78% of them ($428 against a typical $314), it is bigger than 60% of them (1,920 ft² against a typical 1,672 ft²) and it is newer than 71% of them (2002 against a typical 1988). Measured against all of Avery County, it is worth more than 86% 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 747 Rough Ridge Rd, Sugar Mountain, NC?

The 2025 property tax bill for 747 Rough Ridge Rd, Sugar Mountain, NC was $2,622. The county assessed it at $385,600.

Closest homes

More homes in Sugar Mountain 28604

Assigned schools

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