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Single Family ResidenceResidential
$598,515$213 / 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 85How 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 $525,000 on Jul 7, 2022

102 WATER OAK LN

STANFIELD, NC 28163
5
Beds
3
Baths
2,813 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$599K
$506K low$691K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$525,000 · Jul 7, 2022
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.$118,515
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,812
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.81%
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.$420,000
FAIRWAY INDEPENDENT MORTGAGE CORP · recorded Jul 7, 2022
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.$60,000
STATE EMPLOYEES CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,762 (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.$501,239 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$401,239
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$356,853
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$501,239

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyStanly
Lot (acres)The size of the land the home sits on, from county records.0.69
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 192 ft²Porch · 318 ft²

Transaction History(3)

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
Stanfield Elementary SchoolB
Elementary · Grades KG–5 · 1.1 mi
M
West Stanly Middle SchoolA-
Middle · Grades 6–8 · 3.0 mi
H
West Stanly High SchoolB-
High · Grades 9–12 · 4.6 mi

District: Stanly County Schools

Neighborhood · ZIP 28163These 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.113
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 100.68

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.5,958
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.171 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,723
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,675
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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

102 Water Oak Ln 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 93% of homes in Stanly County
  • Costs more per square foot than 73% of homes in Stanly County
  • Bigger than 93% of homes in Stanly County
  • Has a smaller lot than 78% of homes in Stanfield 28163
  • Newer than 80% of homes in Stanly County

What homes are worth in Stanfield 28163

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

This home
$144K$828K

This home is worth more than 87% of homes in Stanfield 28163.

How it measures up in Stanfield 28163

The dot is this home. The mark in the middle is the typical home in Stanfield 28163.

Estimated value$598,515
CheaperTypical $383,600Pricier

Pricier than 87% of homes nearby

Price per ft²$213
CheaperTypical $201Pricier

Pricier than 59% of homes nearby

Living area2,813 ft²
SmallerTypical 1,736 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.69 ac
SmallerTypical 1.54 acBigger

Bigger than 22% of homes nearby

Year built2001
OlderTypical 1994Newer

Newer than 73% of homes nearby

How 102 Water Oak Ln ranks against every home in each area.
MeasureThis homeStanfield 28163Stanly County
Estimated valuepricier than$598,51587% of homes93% of homes
Price per ft²pricier than$21359% of homes73% of homes
Living areabigger than2,813 ft²91% of homes93% of homes
Lot sizebigger than0.69 ac22% of homes46% of homes
Year builtnewer than200173% of homes80% of homes

About 102 Water Oak Ln

How much is 102 Water Oak Ln, Stanfield, NC worth?

The TopHap Estimate for 102 Water Oak Ln, Stanfield, NC is $598,515 as of Jul 14, 2026. The likely range is $505,955 to $691,075. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 102 Water Oak Ln, Stanfield, NC last sell?

102 Water Oak Ln, Stanfield, NC last sold on Jul 7, 2022 for $525,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 102 Water Oak Ln, Stanfield, NC?

102 Water Oak Ln, Stanfield, NC has 5 bedrooms, 3 bathrooms, 2,813 square feet of living space and a 0.69-acre lot.

When was 102 Water Oak Ln, Stanfield, NC built?

102 Water Oak Ln, Stanfield, NC was built in 2001, making it 25 years old. The building has 3 stories.

What schools serve 102 Water Oak Ln, Stanfield, NC?

102 Water Oak Ln, Stanfield, NC is assigned to Stanfield Elementary School (elementary), rated B; West Stanly Middle School (middle), rated A-; West Stanly High School (high), rated B-. All sit in Stanly County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 102 Water Oak Ln, Stanfield, NC compare to other homes in Stanfield 28163?

Among the 2,291 homes in Stanfield 28163, it is worth more than 87% of them ($598,515 against a typical $383,600), its price per square foot is higher than 59% of them ($213 against a typical $201), it is bigger than 91% of them (2,813 ft² against a typical 1,736 ft²), its lot is bigger than 22% of them (0.69 ac against a typical 1.54 ac) and it is newer than 73% of them (2001 against a typical 1994). Measured against all of Stanly County, it is worth more than 93% 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 102 Water Oak Ln, Stanfield, NC?

The 2025 property tax bill for 102 Water Oak Ln, Stanfield, NC was $4,762. The county assessed it at $501,239.

More homes on Water Oak Ln

Closest homes

More homes in Stanfield 28163

Assigned schools

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