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Single Family ResidenceResidential
$280,799$251 / 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 Aug 30, 2026

864 WHITE ROCK RD

CULLOWHEE, NC 28723
2
Beds
2
Baths
1,120 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$281K
$223K low$339K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$796 (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.$209,356 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,980
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$174,376
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$176,330

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.197 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
CountyJackson
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.1978
Lot (acres)The size of the land the home sits on, from county records.2.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 196 ft²Patio · 196 ft²Porch · 220 ft²

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

E
Cullowhee Valley SchoolD-
Elementary · Grades PK–8 · 4.7 mi
H
Jackson County Early CollegeA
High · Grades 9–12 · 8.5 mi

District: Jackson County Schools

Neighborhood · ZIP 28723These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.117

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.70%
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.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.12,783
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.116 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$47,538
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$58,638
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.67 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

864 White Rock 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 72% of homes in Cullowhee 28723
  • Smaller than 78% of homes in Jackson County
  • Has a bigger lot than 73% of homes in Jackson County
  • Older than 84% of homes in Cullowhee 28723

What homes are worth in Cullowhee 28723

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

This home
$84K$3.3M

This home is worth more than 28% of homes in Cullowhee 28723.

How it measures up in Cullowhee 28723

The dot is this home. The mark in the middle is the typical home in Cullowhee 28723.

Estimated value$280,799
CheaperTypical $415,338Pricier

Pricier than 28% of homes nearby

Price per ft²$251
CheaperTypical $272Pricier

Pricier than 45% of homes nearby

Living area1,120 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 25% of homes nearby

Lot size2 ac
SmallerTypical 1.02 acBigger

Bigger than 67% of homes nearby

Year built1963
OlderTypical 1984Newer

Newer than 16% of homes nearby

How 864 White Rock Rd ranks against every home in each area.
MeasureThis homeCullowhee 28723Jackson County
Estimated valuepricier than$280,79928% of homes31% of homes
Price per ft²pricier than$25145% of homes45% of homes
Living areabigger than1,120 ft²25% of homes22% of homes
Lot sizebigger than2 ac67% of homes73% of homes
Year builtnewer than196316% of homes17% of homes

About 864 White Rock Rd

How much is 864 White Rock Rd, Cullowhee, NC worth?

The TopHap Estimate for 864 White Rock Rd, Cullowhee, NC is $280,799 as of Aug 30, 2026. The likely range is $222,690 to $338,908. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 864 White Rock Rd, Cullowhee, NC last sell?

864 White Rock Rd, Cullowhee, NC last sold on Mar 15, 2012, according to the county's recorded deed.

How big is 864 White Rock Rd, Cullowhee, NC?

864 White Rock Rd, Cullowhee, NC has 2 bedrooms, 2 bathrooms, 1,120 square feet of living space and a 2.00-acre lot.

When was 864 White Rock Rd, Cullowhee, NC built?

864 White Rock Rd, Cullowhee, NC was built in 1963, making it 63 years old. The building has 1 story.

What schools serve 864 White Rock Rd, Cullowhee, NC?

864 White Rock Rd, Cullowhee, NC is assigned to Cullowhee Valley School (elementary), rated D-; Jackson County Early College (high), rated A. All sit in Jackson County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 864 White Rock Rd, Cullowhee, NC compare to other homes in Cullowhee 28723?

Among the 2,927 homes in Cullowhee 28723, it is worth more than 28% of them ($280,799 against a typical $415,338), its price per square foot is higher than 45% of them ($251 against a typical $272), it is bigger than 25% of them (1,120 ft² against a typical 1,620 ft²), its lot is bigger than 67% of them (2 ac against a typical 1.02 ac) and it is newer than 16% of them (1963 against a typical 1984). Measured against all of Jackson 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 864 White Rock Rd, Cullowhee, NC?

The 2025 property tax bill for 864 White Rock Rd, Cullowhee, NC was $796. The county assessed it at $209,356.

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