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Single Family ResidenceResidential
$855,355$341 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

123 SHELL ROCK LN

HUBERT, NC 28539
3
Beds
4 / 1
Baths
2,508 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$855K
$813K low$898K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.491%
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.$4,000,000
FIRST NAT'L BK/PA · recorded Jan 10, 2019
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.$200,000
COASTAL BANK & TRUST

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,771 (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.$575,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$250,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$325,680
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$575,680
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$575,680

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.68 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.92%
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.1 percent flood zone

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
CountyOnslow
Lot (acres)The size of the land the home sits on, from county records.0.48
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Sand Ridge Elementary SchoolB+
Elementary · Grades KG–5 · 2.1 mi
H
Swansboro High SchoolA-
High · Grades 9–12 · 3.2 mi
M
Swansboro Middle SchoolB-
Middle · Grades 6–8 · 3.6 mi

District: Onslow County Schools

Neighborhood · ZIP 28539These 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.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

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.85%
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.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.18,134
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.219 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,523
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,029
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.56 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

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

123 Shell Rock 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.

  • Among the most valuable homes in Hubert 28539
  • Among the highest price per square foot in Hubert 28539
  • Bigger than 91% of homes in Hubert 28539
  • Newer than 92% of homes in Onslow County

What homes are worth in Hubert 28539

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

This home
$60K$608K

This home is worth more than almost all homes in Hubert 28539.

How it measures up in Hubert 28539

The dot is this home. The mark in the middle is the typical home in Hubert 28539.

Estimated value$855,355
CheaperTypical $271,742Pricier

Pricier than almost all homes nearby

Price per ft²$341
CheaperTypical $178Pricier

Pricier than almost all homes nearby

Living area2,508 ft²
SmallerTypical 1,544 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.48 ac
SmallerTypical 0.49 acBigger

Bigger than 49% of homes nearby

Year built2020
OlderTypical 2002Newer

Newer than 91% of homes nearby

How 123 Shell Rock Ln ranks against every home in each area.
MeasureThis homeHubert 28539Onslow County
Estimated valuepricier than$855,355almost all homes97% of homes
Price per ft²pricier than$341almost all homes94% of homes
Living areabigger than2,508 ft²91% of homes89% of homes
Lot sizebigger than0.48 ac49% of homes59% of homes
Year builtnewer than202091% of homes92% of homes

About 123 Shell Rock Ln

How much is 123 Shell Rock Ln, Hubert, NC worth?

The TopHap Estimate for 123 Shell Rock Ln, Hubert, NC is $855,355 as of Jun 23, 2026. The likely range is $812,587 to $898,122. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 123 Shell Rock Ln, Hubert, NC?

123 Shell Rock Ln, Hubert, NC has 3 bedrooms, 4 bathrooms, 2,508 square feet of living space and a 0.48-acre lot.

When was 123 Shell Rock Ln, Hubert, NC built?

123 Shell Rock Ln, Hubert, NC was built in 2020, making it 6 years old. The building has 2 stories.

What schools serve 123 Shell Rock Ln, Hubert, NC?

123 Shell Rock Ln, Hubert, NC is assigned to Sand Ridge Elementary School (elementary), rated B+; Swansboro High School (high), rated A-; Swansboro Middle School (middle), rated B-. All sit in Onslow County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 123 Shell Rock Ln, Hubert, NC compare to other homes in Hubert 28539?

Among the 7,187 homes in Hubert 28539, it is worth more than almost all of them ($855,355 against a typical $271,742), its price per square foot is higher than almost all of them ($341 against a typical $178), it is bigger than 91% of them (2,508 ft² against a typical 1,544 ft²), its lot is bigger than 49% of them (0.48 ac against a typical 0.49 ac) and it is newer than 91% of them (2020 against a typical 2002). Measured against all of Onslow County, it is worth more than 97% 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 123 Shell Rock Ln, Hubert, NC?

The 2025 property tax bill for 123 Shell Rock Ln, Hubert, NC was $3,771. The county assessed it at $575,680.

Closest homes

More homes in Hubert 28539

Assigned schools

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