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Single Family ResidenceResidential
$460,385$217 / 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 94How 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 $216,000 on Oct 25, 2007

104 RIDGE RD

LOCUST, NC 28097
3
Beds
3
Baths
2,120 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.
0.82 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$460K
$432K low$489K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$216,000 · Oct 25, 2007
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.$145,385
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$116,308
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.69%
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.$230,000
AMERISAVE MORTGAGE CORP · recorded Apr 20, 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.$85,000
AMERISAVE MORTGAGE CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,433 (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.$373,166 (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.$273,166
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$242,834
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$373,166

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.0.82
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 · 465 ft²Porch · 28 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
Locust Elementary SchoolA
Elementary · Grades KG–5 · 1.4 mi
M
West Stanly Middle SchoolA-
Middle · Grades 6–8 · 3.5 mi
H
West Stanly High SchoolB-
High · Grades 9–12 · 5.5 mi

District: Stanly County Schools

Neighborhood · ZIP 28097These 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.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.64

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.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
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.6,706
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.220 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,706
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,238
Average tempThe average temperature here across a full year.60°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

104 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 85% of homes in Stanly County
  • Costs more per square foot than 75% of homes in Stanly County
  • Bigger than 79% of homes in Stanly County
  • Newer than 78% of homes in Stanly County

What homes are worth in Locust 28097

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

This home
$137K$692K

This home is worth more than 81% of homes in Locust 28097.

How it measures up in Locust 28097

The dot is this home. The mark in the middle is the typical home in Locust 28097.

Estimated value$460,385
CheaperTypical $380,961Pricier

Pricier than 81% of homes nearby

Price per ft²$217
CheaperTypical $193Pricier

Pricier than 68% of homes nearby

Living area2,120 ft²
SmallerTypical 1,759 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.82 ac
SmallerTypical 0.54 acBigger

Bigger than 59% of homes nearby

Year built2000
OlderTypical 2001Newer

Newer than 50% of homes nearby

How 104 Ridge Rd ranks against every home in each area.
MeasureThis homeLocust 28097Stanly County
Estimated valuepricier than$460,38581% of homes85% of homes
Price per ft²pricier than$21768% of homes75% of homes
Living areabigger than2,120 ft²68% of homes79% of homes
Lot sizebigger than0.82 ac59% of homes51% of homes
Year builtnewer than200050% of homes78% of homes

About 104 Ridge Rd

How much is 104 Ridge Rd, Locust, NC worth?

The TopHap Estimate for 104 Ridge Rd, Locust, NC is $460,385 as of Jul 14, 2026. The likely range is $431,539 to $489,231. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 104 Ridge Rd, Locust, NC last sell?

104 Ridge Rd, Locust, NC last sold on Oct 25, 2007 for $216,000, according to the county's recorded deed.

How big is 104 Ridge Rd, Locust, NC?

104 Ridge Rd, Locust, NC has 3 bedrooms, 3 bathrooms, 2,120 square feet of living space and a 0.82-acre lot.

When was 104 Ridge Rd, Locust, NC built?

104 Ridge Rd, Locust, NC was built in 2000, making it 26 years old. The building has 2 stories.

What schools serve 104 Ridge Rd, Locust, NC?

104 Ridge Rd, Locust, NC is assigned to Locust Elementary School (elementary), rated A; 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 104 Ridge Rd, Locust, NC compare to other homes in Locust 28097?

Among the 3,324 homes in Locust 28097, it is worth more than 81% of them ($460,385 against a typical $380,961), its price per square foot is higher than 68% of them ($217 against a typical $193), it is bigger than 68% of them (2,120 ft² against a typical 1,759 ft²), its lot is bigger than 59% of them (0.82 ac against a typical 0.54 ac) and it is newer than 50% of them (2000 against a typical 2001). Measured against all of Stanly County, it is worth more than 85% 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 104 Ridge Rd, Locust, NC?

The 2025 property tax bill for 104 Ridge Rd, Locust, NC was $3,433. The county assessed it at $373,166.

Closest homes

More homes in Locust 28097

Assigned schools

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