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Single Family ResidenceResidential
$782,771$224 / 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
Last sold for $760,000 on Feb 6, 2026

166 THE RAPIDS

SAPPHIRE, NC 28774
3
Beds
4 / 1
Baths
3,490 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.
1.07 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.

Valuation

$783K
$614K low$952K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$760,000 · Feb 6, 2026
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.$222,771
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$178,217
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.71%
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.$560,000
UNITED COMMUNITY BANK · 5.62% 1 · recorded Feb 6, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,346 (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.$904,540 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$220,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$684,540
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$904,540
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$904,540

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
CountyTransylvania
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.1995
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes

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.

Neighborhood · ZIP 28774These 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.159
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.111

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.38%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
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.1,224
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,334
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,511
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.80 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

166 The Rapids 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 83% of homes in Transylvania County
  • Costs less per square foot than 82% of homes in Sapphire 28774
  • Bigger than 95% of homes in Transylvania County
  • Has a bigger lot than 81% of homes in Sapphire 28774

What homes are worth in Sapphire 28774

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

This home
$101K$2.7M

This home is worth more than 60% of homes in Sapphire 28774.

How it measures up in Sapphire 28774

The dot is this home. The mark in the middle is the typical home in Sapphire 28774.

Estimated value$782,771
CheaperTypical $645,495Pricier

Pricier than 60% of homes nearby

Price per ft²$224
CheaperTypical $332Pricier

Pricier than 18% of homes nearby

Living area3,490 ft²
SmallerTypical 1,907 ft²Bigger

Bigger than 90% of homes nearby

Lot size1.07 ac
SmallerTypical 0.8 acBigger

Bigger than 81% of homes nearby

Year built1990
OlderTypical 1991Newer

Newer than 49% of homes nearby

How 166 The Rapids ranks against every home in each area.
MeasureThis homeSapphire 28774Transylvania County
Estimated valuepricier than$782,77160% of homes83% of homes
Price per ft²pricier than$22418% of homes31% of homes
Living areabigger than3,490 ft²90% of homes95% of homes
Lot sizebigger than1.07 ac81% of homes56% of homes
Year builtnewer than199049% of homes61% of homes

About 166 The Rapids

How much is 166 The Rapids, Sapphire, NC worth?

The TopHap Estimate for 166 The Rapids, Sapphire, NC is $782,771 as of Jul 14, 2026. The likely range is $614,031 to $951,511. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 166 The Rapids, Sapphire, NC last sell?

166 The Rapids, Sapphire, NC last sold on Feb 6, 2026 for $760,000, according to the county's recorded deed.

How big is 166 The Rapids, Sapphire, NC?

166 The Rapids, Sapphire, NC has 3 bedrooms, 4 bathrooms and 3,490 square feet of living space.

When was 166 The Rapids, Sapphire, NC built?

166 The Rapids, Sapphire, NC was built in 1990, making it 36 years old.

How does 166 The Rapids, Sapphire, NC compare to other homes in Sapphire 28774?

Among the 2,529 homes in Sapphire 28774, it is worth more than 60% of them ($782,771 against a typical $645,495), its price per square foot is higher than 18% of them ($224 against a typical $332), it is bigger than 90% of them (3,490 ft² against a typical 1,907 ft²), its lot is bigger than 81% of them (1.07 ac against a typical 0.8 ac) and it is newer than 49% of them (1990 against a typical 1991). Measured against all of Transylvania County, it is worth more than 83% 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 166 The Rapids, Sapphire, NC?

The 2025 property tax bill for 166 The Rapids, Sapphire, NC was $4,346. The county assessed it at $904,540.

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