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Single Family ResidenceResidential
$357,248$205 / 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 84How 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

3109 RUBEN RD

MONROE, NC 28112
4
Beds
2
Baths
1,740 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.
25.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1964
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$357K
$299K low$416K 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.$267,772
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$214,218
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.22%
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.$89,476
CITIFINANCIAL SERVICES INC · recorded Jul 19, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,597 (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.$563,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$298,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$265,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$563,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$563,500

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyUnion
Lot (acres)The size of the land the home sits on, from county records.25.23
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 335 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
Prospect Elementary SchoolC+
Elementary · Grades KG–5 · 0.2 mi
M
Parkwood Middle SchoolC
Middle · Grades 6–8 · 3.0 mi
H
Parkwood High SchoolA
High · Grades 9–12 · 3.2 mi

District: Union County Public Schools

Neighborhood · ZIP 28112These 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.153
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 100.87

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.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.30,035
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.225 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,825
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,806
Average tempThe average temperature here across a full year.61°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

3109 Ruben 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 70% of homes in Union County
  • Costs less per square foot than 65% of homes in Union County
  • Has a bigger lot than 98% of homes in Monroe 28112
  • Older than 90% of homes in Union County

What homes are worth in Monroe 28112

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

This home
$131K$818K

This home is worth more than 48% of homes in Monroe 28112.

How it measures up in Monroe 28112

The dot is this home. The mark in the middle is the typical home in Monroe 28112.

Estimated value$357,248
CheaperTypical $363,961Pricier

Pricier than 48% of homes nearby

Price per ft²$205
CheaperTypical $205Pricier

Pricier than 50% of homes nearby

Living area1,740 ft²
SmallerTypical 1,628 ft²Bigger

Bigger than 57% of homes nearby

Lot size25.23 ac
SmallerTypical 0.95 acBigger

Bigger than 98% of homes nearby

Year built1964
OlderTypical 1987Newer

Newer than 24% of homes nearby

How 3109 Ruben Rd ranks against every home in each area.
MeasureThis homeMonroe 28112Union County
Estimated valuepricier than$357,24848% of homes30% of homes
Price per ft²pricier than$20550% of homes35% of homes
Living areabigger than1,740 ft²57% of homes37% of homes
Lot sizebigger than25.23 ac98% of homes98% of homes
Year builtnewer than196424% of homes10% of homes

About 3109 Ruben Rd

How much is 3109 Ruben Rd, Monroe, NC worth?

The TopHap Estimate for 3109 Ruben Rd, Monroe, NC is $357,248 as of Jul 14, 2026. The likely range is $298,779 to $415,717. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3109 Ruben Rd, Monroe, NC?

3109 Ruben Rd, Monroe, NC has 4 bedrooms, 2 bathrooms, 1,740 square feet of living space and a 25.23-acre lot.

When was 3109 Ruben Rd, Monroe, NC built?

3109 Ruben Rd, Monroe, NC was built in 1964, making it 62 years old. It is a ranch home. The building has 1 story.

What schools serve 3109 Ruben Rd, Monroe, NC?

3109 Ruben Rd, Monroe, NC is assigned to Prospect Elementary School (elementary), rated C+; Parkwood Middle School (middle), rated C; Parkwood High School (high), rated A. All sit in Union County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3109 Ruben Rd, Monroe, NC compare to other homes in Monroe 28112?

Among the 11,421 homes in Monroe 28112, it is worth more than 48% of them ($357,248 against a typical $363,961), its price per square foot is higher than 50% of them ($205 against a typical $205), it is bigger than 57% of them (1,740 ft² against a typical 1,628 ft²), its lot is bigger than 98% of them (25.23 ac against a typical 0.95 ac) and it is newer than 24% of them (1964 against a typical 1987). Measured against all of Union County, it is worth more than 30% 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 3109 Ruben Rd, Monroe, NC?

The 2025 property tax bill for 3109 Ruben Rd, Monroe, NC was $2,597. The county assessed it at $563,500.

Closest homes

More homes in Monroe 28112

Assigned schools

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