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Single Family ResidentialResidential
$90,069$85 / 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 78How 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 RIDING ST

SPINDALE, NC 28160
2
Beds
1
Baths
1,064 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$90K
$70K low$110K 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.$90,069
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$72,055

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,123 (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.$169,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$160,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$169,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$169,100

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.1972
Lot (acres)The size of the land the home sits on, from county records.0.34
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.Asphalt
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.Patio · 144 ft²Porch · 334 ft²

Transaction History(2)

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
Spindale Elementary SchoolC-
Elementary · Grades PK–5 · 1.0 mi
H
Rutherford Early College High SchoolA-
High · Grades 9–12 · 1.2 mi
M
R-S Middle SchoolC-
Middle · Grades 6–8 · 1.6 mi

District: Rutherford County Schools

Neighborhood · ZIP 28160These 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.110
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 100.83

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
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.0.8%
PopulationHow many people live in this area.3,390
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.616 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$41,126
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,287
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.52 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.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 Riding 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 92% of homes in Rutherford County
  • Costs less per square foot than 90% of homes in Rutherford County
  • Smaller than 81% of homes in Rutherford County
  • Has a smaller lot than 87% of homes in Rutherford County
  • Older than 73% of homes in Rutherford County

What homes are worth in Spindale 28160

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

This home
$36K$410K

This home is worth more than 21% of homes in Spindale 28160.

How it measures up in Spindale 28160

The dot is this home. The mark in the middle is the typical home in Spindale 28160.

Estimated value$90,069
CheaperTypical $138,199Pricier

Pricier than 21% of homes nearby

Price per ft²$85
CheaperTypical $114Pricier

Pricier than 22% of homes nearby

Living area1,064 ft²
SmallerTypical 1,189 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.34 ac
SmallerTypical 0.34 acBigger

Bigger than 47% of homes nearby

Year built1957
OlderTypical 1950Newer

Newer than 64% of homes nearby

How 109 Riding St ranks against every home in each area.
MeasureThis homeSpindale 28160Rutherford County
Estimated valuepricier than$90,06921% of homes8% of homes
Price per ft²pricier than$8522% of homes10% of homes
Living areabigger than1,064 ft²36% of homes19% of homes
Lot sizebigger than0.34 ac47% of homes13% of homes
Year builtnewer than195764% of homes27% of homes

About 109 Riding St

How much is 109 Riding St, Spindale, NC worth?

The TopHap Estimate for 109 Riding St, Spindale, NC is $90,069 as of Jul 14, 2026. The likely range is $69,906 to $110,232. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 109 Riding St, Spindale, NC?

109 Riding St, Spindale, NC has 2 bedrooms, 1 bathrooms, 1,064 square feet of living space and a 0.34-acre lot.

When was 109 Riding St, Spindale, NC built?

109 Riding St, Spindale, NC was built in 1957, making it 69 years old. The building has 1 story.

What schools serve 109 Riding St, Spindale, NC?

109 Riding St, Spindale, NC is assigned to Spindale Elementary School (elementary), rated C-; Rutherford Early College High School (high), rated A-; R-S Middle School (middle), rated C-. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Riding St, Spindale, NC compare to other homes in Spindale 28160?

Among the 1,585 homes in Spindale 28160, it is worth more than 21% of them ($90,069 against a typical $138,199), its price per square foot is higher than 22% of them ($85 against a typical $114), it is bigger than 36% of them (1,064 ft² against a typical 1,189 ft²), its lot is bigger than 47% of them (0.34 ac against a typical 0.34 ac) and it is newer than 64% of them (1957 against a typical 1950). Measured against all of Rutherford County, it is worth more than 8% 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 Riding St, Spindale, NC?

The 2025 property tax bill for 109 Riding St, Spindale, NC was $2,123. The county assessed it at $169,100.

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Assigned schools

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