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Single Family ResidenceResidential
$338,332$194 / 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 88How 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 $50,000 on Mar 9, 2022

20439 RIDGECREST RD

LOCUST, NC 28097
0
Baths
1,744 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.
1.75 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$338K
$297K low$379K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$50,000 · Mar 9, 2022
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.112%
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.$372,960
USAA FSB · recorded Mar 30, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,120 (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.$321,160 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$277,910
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$237,066
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$321,160

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.58
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
87
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyStanly
Lot (acres)The size of the land the home sits on, from county records.1.75
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(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
West Stanly High SchoolB-
High · Grades 9–12 · 1.7 mi
M
West Stanly Middle SchoolA-
Middle · Grades 6–8 · 2.6 mi
E
Endy Elementary SchoolA-
Elementary · Grades KG–5 · 3.8 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.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

20439 Ridgecrest Rd 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 65% of homes in Locust 28097
  • Has a bigger lot than 76% of homes in Locust 28097
  • Among the newest 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
$143K$735K

This home is worth more than 35% 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$338,332
CheaperTypical $380,914Pricier

Pricier than 35% of homes nearby

Price per ft²$194
CheaperTypical $194Pricier

Pricier than 50% of homes nearby

Living area1,744 ft²
SmallerTypical 1,759 ft²Bigger

Bigger than 49% of homes nearby

Lot size1.75 ac
SmallerTypical 0.54 acBigger

Bigger than 76% of homes nearby

Year built2022
OlderTypical 2001Newer

Newer than almost all homes nearby

How 20439 Ridgecrest Rd ranks against every home in each area.
MeasureThis homeLocust 28097Stanly County
Estimated valuepricier than$338,33235% of homes63% of homes
Price per ft²pricier than$19450% of homes63% of homes
Living areabigger than1,744 ft²49% of homes64% of homes
Lot sizebigger than1.75 ac76% of homes70% of homes
Year builtnewer than2022almost all homesalmost all homes

About 20439 Ridgecrest Rd

How much is 20439 Ridgecrest Rd, Locust, NC worth?

The TopHap Estimate for 20439 Ridgecrest Rd, Locust, NC is $338,332 as of Jul 14, 2026. The likely range is $297,414 to $379,250. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20439 Ridgecrest Rd, Locust, NC last sell?

20439 Ridgecrest Rd, Locust, NC last sold on Mar 9, 2022 for $50,000, according to the county's recorded deed.

How big is 20439 Ridgecrest Rd, Locust, NC?

20439 Ridgecrest Rd, Locust, NC has 1,744 square feet of living space and a 1.75-acre lot.

When was 20439 Ridgecrest Rd, Locust, NC built?

20439 Ridgecrest Rd, Locust, NC was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 20439 Ridgecrest Rd, Locust, NC?

20439 Ridgecrest Rd, Locust, NC is assigned to West Stanly High School (high), rated B-; West Stanly Middle School (middle), rated A-; Endy Elementary School (elementary), rated A-. All sit in Stanly County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20439 Ridgecrest Rd, Locust, NC compare to other homes in Locust 28097?

Among the 3,324 homes in Locust 28097, it is worth more than 35% of them ($338,332 against a typical $380,914), its price per square foot is higher than 50% of them ($194 against a typical $194), it is bigger than 49% of them (1,744 ft² against a typical 1,759 ft²), its lot is bigger than 76% of them (1.75 ac against a typical 0.54 ac) and it is newer than almost all of them (2022 against a typical 2001). Measured against all of Stanly County, it is worth more than 63% 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 20439 Ridgecrest Rd, Locust, NC?

The 2025 property tax bill for 20439 Ridgecrest Rd, Locust, NC was $2,120. The county assessed it at $321,160.

Closest homes

More homes in Locust 28097

Assigned schools

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