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Rural ResidenceResidential
$240,147$114 / 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

315 TREE RAT TRL

STATE ROAD, NC 28676
2
Beds
2
Baths
2,100 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.
20 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$240K
$209K low$271K 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.$240,147
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$192,118

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,742 (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.$220,560 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$74,460
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$146,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$174,390
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$220,560

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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Rural Residence
CountySurry
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1993
Lot (acres)The size of the land the home sits on, from county records.20.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 720 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Elkin Elementary SchoolA-
Elementary · Grades PK–6 · 2.7 mi
H
Elkin High SchoolB+
High · Grades 9–12 · 2.9 mi
M
Elkin Middle SchoolB
Middle · Grades 7–8 · 2.9 mi

District: Elkin City Schools

Neighborhood · ZIP 28676These 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.87
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 100.78

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
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.3,288
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.114 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,037
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,788
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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

315 Tree Rat Trl 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 83% of homes in State Road 28676
  • Bigger than 81% of homes in Surry County
  • Has a bigger lot than 94% of homes in State Road 28676

What homes are worth in State Road 28676

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

This home
$83K$868K

This home is worth more than 46% of homes in State Road 28676.

How it measures up in State Road 28676

The dot is this home. The mark in the middle is the typical home in State Road 28676.

Estimated value$240,147
CheaperTypical $258,056Pricier

Pricier than 46% of homes nearby

Price per ft²$114
CheaperTypical $162Pricier

Pricier than 17% of homes nearby

Living area2,100 ft²
SmallerTypical 1,530 ft²Bigger

Bigger than 77% of homes nearby

Lot size20 ac
SmallerTypical 1.4 acBigger

Bigger than 94% of homes nearby

Year built1980
OlderTypical 1973Newer

Newer than 63% of homes nearby

How 315 Tree Rat Trl ranks against every home in each area.
MeasureThis homeState Road 28676Surry County
Estimated valuepricier than$240,14746% of homes57% of homes
Price per ft²pricier than$11417% of homes24% of homes
Living areabigger than2,100 ft²77% of homes81% of homes
Lot sizebigger than20 ac94% of homes94% of homes
Year builtnewer than198063% of homes62% of homes

About 315 Tree Rat Trl

How much is 315 Tree Rat Trl, State Road, NC worth?

The TopHap Estimate for 315 Tree Rat Trl, State Road, NC is $240,147 as of Jul 14, 2026. The likely range is $209,202 to $271,092. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 315 Tree Rat Trl, State Road, NC last sell?

315 Tree Rat Trl, State Road, NC last sold on Aug 16, 1977, according to the county's recorded deed.

How big is 315 Tree Rat Trl, State Road, NC?

315 Tree Rat Trl, State Road, NC has 2 bedrooms, 2 bathrooms, 2,100 square feet of living space and a 20.00-acre lot.

When was 315 Tree Rat Trl, State Road, NC built?

315 Tree Rat Trl, State Road, NC was built in 1980, making it 46 years old. The building has 1 story.

What schools serve 315 Tree Rat Trl, State Road, NC?

315 Tree Rat Trl, State Road, NC is assigned to Elkin Elementary School (elementary), rated A-; Elkin High School (high), rated B+; Elkin Middle School (middle), rated B. All sit in Elkin City Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 315 Tree Rat Trl, State Road, NC compare to other homes in State Road 28676?

Among the 1,392 homes in State Road 28676, it is worth more than 46% of them ($240,147 against a typical $258,056), its price per square foot is higher than 17% of them ($114 against a typical $162), it is bigger than 77% of them (2,100 ft² against a typical 1,530 ft²), its lot is bigger than 94% of them (20 ac against a typical 1.4 ac) and it is newer than 63% of them (1980 against a typical 1973). Measured against all of Surry 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 315 Tree Rat Trl, State Road, NC?

The 2025 property tax bill for 315 Tree Rat Trl, State Road, NC was $1,742. The county assessed it at $220,560.

Closest homes

More homes in State Road 28676

Assigned schools

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