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Single Family ResidenceResidential
$432,964$257 / 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 87How 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 $22,000 on Jun 13, 2007

20948 RIDGECREST RD

LOCUST, NC 28097
3
Beds
2
Baths
1,682 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.
1.76 ac
Lot SizeThe size of the land the home sits on, from county records.
2013
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$433K
$377K low$489K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$22,000 · Jun 13, 2007
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.$234,964
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$187,971
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.47%
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.$148,000
UWHARRIE BANK · recorded Jul 21, 2021
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.$50,000
UWHARRIE BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,845 (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.$279,473 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,360
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$236,113
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$200,397
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$279,473

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.1.76
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Porch · 180 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.

H
West Stanly High SchoolB-
High · Grades 9–12 · 2.8 mi
M
West Stanly Middle SchoolA-
Middle · Grades 6–8 · 3.1 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

20948 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 more than 81% of homes in Stanly County
  • Costs more per square foot than 88% of homes in Locust 28097
  • Has a bigger lot than 76% of homes in Locust 28097
  • Newer than 89% of 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
$142K$705K

This home is worth more than 72% 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$432,964
CheaperTypical $381,023Pricier

Pricier than 72% of homes nearby

Price per ft²$257
CheaperTypical $193Pricier

Pricier than 88% of homes nearby

Living area1,682 ft²
SmallerTypical 1,759 ft²Bigger

Bigger than 45% of homes nearby

Lot size1.76 ac
SmallerTypical 0.54 acBigger

Bigger than 76% of homes nearby

Year built2013
OlderTypical 2001Newer

Newer than 68% of homes nearby

How 20948 Ridgecrest Rd ranks against every home in each area.
MeasureThis homeLocust 28097Stanly County
Estimated valuepricier than$432,96472% of homes81% of homes
Price per ft²pricier than$25788% of homes87% of homes
Living areabigger than1,682 ft²45% of homes60% of homes
Lot sizebigger than1.76 ac76% of homes70% of homes
Year builtnewer than201368% of homes89% of homes

About 20948 Ridgecrest Rd

How much is 20948 Ridgecrest Rd, Locust, NC worth?

The TopHap Estimate for 20948 Ridgecrest Rd, Locust, NC is $432,964 as of Jul 14, 2026. The likely range is $376,512 to $489,416. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20948 Ridgecrest Rd, Locust, NC last sell?

20948 Ridgecrest Rd, Locust, NC last sold on Jun 13, 2007 for $22,000, according to the county's recorded deed.

How big is 20948 Ridgecrest Rd, Locust, NC?

20948 Ridgecrest Rd, Locust, NC has 3 bedrooms, 2 bathrooms, 1,682 square feet of living space and a 1.76-acre lot.

When was 20948 Ridgecrest Rd, Locust, NC built?

20948 Ridgecrest Rd, Locust, NC was built in 2013, making it 13 years old. The building has 1 story.

What schools serve 20948 Ridgecrest Rd, Locust, NC?

20948 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 20948 Ridgecrest Rd, Locust, NC compare to other homes in Locust 28097?

Among the 3,324 homes in Locust 28097, it is worth more than 72% of them ($432,964 against a typical $381,023), its price per square foot is higher than 88% of them ($257 against a typical $193), it is bigger than 45% of them (1,682 ft² against a typical 1,759 ft²), its lot is bigger than 76% of them (1.76 ac against a typical 0.54 ac) and it is newer than 68% of them (2013 against a typical 2001). Measured against all of Stanly County, it is worth more than 81% 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 20948 Ridgecrest Rd, Locust, NC?

The 2025 property tax bill for 20948 Ridgecrest Rd, Locust, NC was $1,845. The county assessed it at $279,473.

Closest homes

More homes in Locust 28097

Assigned schools

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