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Single Family ResidenceResidential
$148,487$122 / 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 63How 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

109 N HAMBLEY ST

ROCKWELL, NC 28138
1
Baths
1,215 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.
0.61 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$148K
$93K low$204K high
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.$103,487
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$82,790
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.30%
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.$45,000
SUNTRUST BANK NA · recorded Dec 18, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,561 (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.$150,089 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$121,589
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,089
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,089

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.7
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
25
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyRowan
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.2004
Lot (acres)The size of the land the home sits on, from county records.0.61
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.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.Shed · 1,050 ft²Porch · 30 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
Rockwell Elementary SchoolC
Elementary · Grades PK–5 · 0.9 mi
H
East Rowan High SchoolC
High · Grades 9–12 · 3.3 mi
M
Erwin Middle SchoolD-
Middle · Grades 6–8 · 3.4 mi

District: Rowan-Salisbury Schools

Neighborhood · ZIP 28138These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.62

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.94%
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.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,756
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.269 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,894
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,413
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

109 N Hambley St 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 less than 81% of homes in Rowan County
  • Costs less per square foot than 79% of homes in Rowan County
  • Smaller than 84% of homes in Rockwell 28138
  • Has a smaller lot than 72% of homes in Rockwell 28138
  • Older than 83% of homes in Rockwell 28138

What homes are worth in Rockwell 28138

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

This home
$38K$820K

This home is worth more than 21% of homes in Rockwell 28138.

How it measures up in Rockwell 28138

The dot is this home. The mark in the middle is the typical home in Rockwell 28138.

Estimated value$148,487
CheaperTypical $256,779Pricier

Pricier than 21% of homes nearby

Price per ft²$122
CheaperTypical $162Pricier

Pricier than 22% of homes nearby

Living area1,215 ft²
SmallerTypical 1,640 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.61 ac
SmallerTypical 1.05 acBigger

Bigger than 28% of homes nearby

Year built1955
OlderTypical 1990Newer

Newer than 17% of homes nearby

How 109 N Hambley St ranks against every home in each area.
MeasureThis homeRockwell 28138Rowan County
Estimated valuepricier than$148,48721% of homes19% of homes
Price per ft²pricier than$12222% of homes21% of homes
Living areabigger than1,215 ft²16% of homes22% of homes
Lot sizebigger than0.61 ac28% of homes47% of homes
Year builtnewer than195517% of homes26% of homes

About 109 N Hambley St

How much is 109 N Hambley St, Rockwell, NC worth?

The TopHap Estimate for 109 N Hambley St, Rockwell, NC is $148,487 as of Jul 14, 2026. The likely range is $93,283 to $203,691. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 109 N Hambley St, Rockwell, NC?

109 N Hambley St, Rockwell, NC has 1 bathrooms, 1,215 square feet of living space and a 0.61-acre lot.

When was 109 N Hambley St, Rockwell, NC built?

109 N Hambley St, Rockwell, NC was built in 1955, making it 71 years old. The building has 1 story.

What schools serve 109 N Hambley St, Rockwell, NC?

109 N Hambley St, Rockwell, NC is assigned to Rockwell Elementary School (elementary), rated C; East Rowan High School (high), rated C; Erwin Middle School (middle), rated D-. All sit in Rowan-Salisbury Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 N Hambley St, Rockwell, NC compare to other homes in Rockwell 28138?

Among the 4,205 homes in Rockwell 28138, it is worth more than 21% of them ($148,487 against a typical $256,779), its price per square foot is higher than 22% of them ($122 against a typical $162), it is bigger than 16% of them (1,215 ft² against a typical 1,640 ft²), its lot is bigger than 28% of them (0.61 ac against a typical 1.05 ac) and it is newer than 17% of them (1955 against a typical 1990). Measured against all of Rowan County, it is worth more than 19% 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 N Hambley St, Rockwell, NC?

The 2025 property tax bill for 109 N Hambley St, Rockwell, NC was $1,561. The county assessed it at $150,089.

Closest homes

More homes in Rockwell 28138

Assigned schools

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