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Single Family ResidentialResidential
$241,770$127 / 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 76How 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 $69,900 on Sep 20, 1993

492 CHIMNEY ROCK RD

RUTHERFORDTON, NC 28139
4
Beds
2 / 1
Baths
1,903 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.
1.06 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$242K
$183K 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.$69,900 · Sep 20, 1993
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.$176,770
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$141,416
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.27%
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.$65,000
CB SVCS CORP · recorded May 20, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,214 (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.$173,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$161,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$173,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$173,600

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyRutherford
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.1968
Lot (acres)The size of the land the home sits on, from county records.1.06
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Partial
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.Porch · 256 ft²

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

H
R-S Central High SchoolC-
High · Grades 9–12 · 1.0 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 2.5 mi
E
Rutherfordton Elementary SchoolC+
Elementary · Grades PK–5 · 3.9 mi

District: Rutherford County Schools

Neighborhood · ZIP 28139These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

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.87%
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.15%
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.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.53 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

492 Chimney 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.

  • Costs less per square foot than 80% of homes in Rutherfordton 28139
  • Bigger than 79% of homes in Rutherford County
  • Older than 91% of homes in Rutherfordton 28139

What homes are worth in Rutherfordton 28139

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

This home
$72K$883K

This home is worth more than 38% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$241,770
CheaperTypical $289,759Pricier

Pricier than 38% of homes nearby

Price per ft²$127
CheaperTypical $180Pricier

Pricier than 20% of homes nearby

Living area1,903 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 73% of homes nearby

Lot size1.06 ac
SmallerTypical 1.77 acBigger

Bigger than 37% of homes nearby

Year built1930
OlderTypical 1985Newer

Newer than 9% of homes nearby

How 492 Chimney Rock Rd ranks against every home in each area.
MeasureThis homeRutherfordton 28139Rutherford County
Estimated valuepricier than$241,77038% of homes49% of homes
Price per ft²pricier than$12720% of homes30% of homes
Living areabigger than1,903 ft²73% of homes79% of homes
Lot sizebigger than1.06 ac37% of homes51% of homes
Year builtnewer than19309% of homes10% of homes

About 492 Chimney Rock Rd

How much is 492 Chimney Rock Rd, Rutherfordton, NC worth?

The TopHap Estimate for 492 Chimney Rock Rd, Rutherfordton, NC is $241,770 as of Jul 14, 2026. The likely range is $182,957 to $300,583. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 492 Chimney Rock Rd, Rutherfordton, NC last sell?

492 Chimney Rock Rd, Rutherfordton, NC last sold on Sep 20, 1993 for $69,900, according to the county's recorded deed.

How big is 492 Chimney Rock Rd, Rutherfordton, NC?

492 Chimney Rock Rd, Rutherfordton, NC has 4 bedrooms, 2 bathrooms, 1,903 square feet of living space and a 1.06-acre lot.

When was 492 Chimney Rock Rd, Rutherfordton, NC built?

492 Chimney Rock Rd, Rutherfordton, NC was built in 1930, making it 96 years old. The building has 1 story.

What schools serve 492 Chimney Rock Rd, Rutherfordton, NC?

492 Chimney Rock Rd, Rutherfordton, NC is assigned to R-S Central High School (high), rated C-; R-S Middle School (middle), rated C-; Rutherfordton Elementary School (elementary), rated C+. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 492 Chimney Rock Rd, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,472 homes in Rutherfordton 28139, it is worth more than 38% of them ($241,770 against a typical $289,759), its price per square foot is higher than 20% of them ($127 against a typical $180), it is bigger than 73% of them (1,903 ft² against a typical 1,540 ft²), its lot is bigger than 37% of them (1.06 ac against a typical 1.77 ac) and it is newer than 9% of them (1930 against a typical 1985). Measured against all of Rutherford County, it is worth more than 49% 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 492 Chimney Rock Rd, Rutherfordton, NC?

The 2025 property tax bill for 492 Chimney Rock Rd, Rutherfordton, NC was $1,214. The county assessed it at $173,600.

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Assigned schools

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