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Single Family ResidenceResidential
$433,129$198 / 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 93How 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 $418,000 on Jan 17, 2025

109 HICKORY RIDGE DR

LOCUST, NC 28097
0
Baths
2,188 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.

Valuation

$433K
$404K low$463K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$418,000 · Jan 17, 2025
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.$50,346
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$40,277
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.89%
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.$382,783
DHI MORTGAGE COMPANY LTD · recorded Jan 17, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,397 (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.$369,257 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$304,257
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$55,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$369,257

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
68
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyStanly
Lot (acres)The size of the land the home sits on, from county records.0.22
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central

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
Stanfield Elementary SchoolB
Elementary · Grades KG–5 · 1.5 mi
M
West Stanly Middle SchoolA-
Middle · Grades 6–8 · 2.4 mi
H
West Stanly High SchoolB-
High · Grades 9–12 · 4.0 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.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

109 Hickory Ridge Dr 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 81% of homes in Stanly County
  • Costs more per square foot than 66% of homes in Stanly County
  • Bigger than 82% of homes in Stanly County
  • Has a smaller lot than 90% 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
$142K$705K

This home is worth more than 72% 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$433,129
CheaperTypical $381,023Pricier

Pricier than 72% of homes nearby

Price per ft²$198
CheaperTypical $193Pricier

Pricier than 53% of homes nearby

Living area2,188 ft²
SmallerTypical 1,759 ft²Bigger

Bigger than 71% of homes nearby

Lot size0.22 ac
SmallerTypical 0.54 acBigger

Bigger than 20% of homes nearby

How 109 Hickory Ridge Dr ranks against every home in each area.
MeasureThis homeLocust 28097Stanly County
Estimated valuepricier than$433,12972% of homes81% of homes
Price per ft²pricier than$19853% of homes66% of homes
Living areabigger than2,188 ft²71% of homes82% of homes
Lot sizebigger than0.22 ac20% of homes10% of homes

About 109 Hickory Ridge Dr

How much is 109 Hickory Ridge Dr, Locust, NC worth?

The TopHap Estimate for 109 Hickory Ridge Dr, Locust, NC is $433,129 as of Jul 14, 2026. The likely range is $403,631 to $462,627. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Hickory Ridge Dr, Locust, NC last sell?

109 Hickory Ridge Dr, Locust, NC last sold on Jan 17, 2025 for $418,000, according to the county's recorded deed.

How big is 109 Hickory Ridge Dr, Locust, NC?

109 Hickory Ridge Dr, Locust, NC has 2,188 square feet of living space and a 0.22-acre lot.

What schools serve 109 Hickory Ridge Dr, Locust, NC?

109 Hickory Ridge Dr, Locust, 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 109 Hickory Ridge Dr, Locust, NC compare to other homes in Locust 28097?

Among the 3,324 homes in Locust 28097, it is worth more than 72% of them ($433,129 against a typical $381,023), its price per square foot is higher than 53% of them ($198 against a typical $193), it is bigger than 71% of them (2,188 ft² against a typical 1,759 ft²) and its lot is bigger than 20% of them (0.22 ac against a typical 0.54 ac). Measured against all of Stanly County, it is worth more than 81% 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 109 Hickory Ridge Dr, Locust, NC?

The 2025 property tax bill for 109 Hickory Ridge Dr, Locust, NC was $3,397. The county assessed it at $369,257.

Closest homes

More homes in Locust 28097

Assigned schools

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