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Single Family ResidenceResidential
$231,929$143 / 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 77How 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

120 RIDGETOP LN

SPRUCE PINE, NC 28777
3
Beds
0
Baths
1,624 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.
2.67 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$232K
$179K low$285K 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.$128,929
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$103,143
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.43%
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.$103,000
STATE EMPLOYEES CU OF MARYLAND · 3.25% 2 · recorded Jun 5, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$696 (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.$108,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$76,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,800

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMitchell
Lot (acres)The size of the land the home sits on, from county records.2.67
HeatingThe type of heating system in the home.Forced Air

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.

H
Mayland Early CollegeA
High · Grades 9–12 · 0.9 mi
E
Greenlee Primary School
Elementary · Grades PK–2 · 3.6 mi

District: Mitchell County Schools

Neighborhood · ZIP 28777These 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.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.107

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.8,757
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.129 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,047
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,203
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.53 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.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

120 Ridgetop 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.

  • Costs less per square foot than 70% of homes in Spruce Pine 28777
  • Bigger than 72% of homes in Mitchell County
  • Has a bigger lot than 78% of homes in Spruce Pine 28777
  • Newer than 83% of homes in Spruce Pine 28777

What homes are worth in Spruce Pine 28777

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

This home
$36K$726K

This home is worth more than 55% of homes in Spruce Pine 28777.

How it measures up in Spruce Pine 28777

The dot is this home. The mark in the middle is the typical home in Spruce Pine 28777.

Estimated value$231,929
CheaperTypical $212,444Pricier

Pricier than 55% of homes nearby

Price per ft²$143
CheaperTypical $177Pricier

Pricier than 30% of homes nearby

Living area1,624 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 70% of homes nearby

Lot size2.67 ac
SmallerTypical 1 acBigger

Bigger than 78% of homes nearby

Year built1996
OlderTypical 1975Newer

Newer than 83% of homes nearby

How 120 Ridgetop Ln ranks against every home in each area.
MeasureThis homeSpruce Pine 28777Mitchell County
Estimated valuepricier than$231,92955% of homes57% of homes
Price per ft²pricier than$14330% of homes37% of homes
Living areabigger than1,624 ft²70% of homes72% of homes
Lot sizebigger than2.67 ac78% of homes68% of homes
Year builtnewer than199683% of homes83% of homes

About 120 Ridgetop Ln

How much is 120 Ridgetop Ln, Spruce Pine, NC worth?

The TopHap Estimate for 120 Ridgetop Ln, Spruce Pine, NC is $231,929 as of Jul 14, 2026. The likely range is $178,860 to $284,998. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 120 Ridgetop Ln, Spruce Pine, NC?

120 Ridgetop Ln, Spruce Pine, NC has 3 bedrooms, 1,624 square feet of living space and a 2.67-acre lot.

When was 120 Ridgetop Ln, Spruce Pine, NC built?

120 Ridgetop Ln, Spruce Pine, NC was built in 1996, making it 30 years old. The building has 1 story.

What schools serve 120 Ridgetop Ln, Spruce Pine, NC?

120 Ridgetop Ln, Spruce Pine, NC is assigned to Mayland Early College (high), rated A; Greenlee Primary School (elementary). All sit in Mitchell County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Ridgetop Ln, Spruce Pine, NC compare to other homes in Spruce Pine 28777?

Among the 4,939 homes in Spruce Pine 28777, it is worth more than 55% of them ($231,929 against a typical $212,444), its price per square foot is higher than 30% of them ($143 against a typical $177), it is bigger than 70% of them (1,624 ft² against a typical 1,344 ft²), its lot is bigger than 78% of them (2.67 ac against a typical 1 ac) and it is newer than 83% of them (1996 against a typical 1975). Measured against all of Mitchell County, it is worth more than 57% 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 120 Ridgetop Ln, Spruce Pine, NC?

The 2025 property tax bill for 120 Ridgetop Ln, Spruce Pine, NC was $696. The county assessed it at $108,800.

Closest homes

More homes in Spruce Pine 28777

Assigned schools

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