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Single Family ResidenceResidential
$198,003$150 / 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 86How 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 $36,000 on Aug 24, 2021

320 RIDGE ST

ALBEMARLE, NC 28001
3
Beds
1
Baths
1,316 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.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$198K
$171K low$225K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$36,000 · Aug 24, 2021
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.$78,303
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$62,642
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.61%
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.$119,700
CIVIC FINANCIAL SERVICES LLC · recorded Jan 17, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,664 (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.$148,537 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$123,337
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,261
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$148,537

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.0.47
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 200 ft²Porch · 398 ft²

Transaction History(3)

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.

M
Albemarle Middle SchoolD+
Middle · Grades 6–8 · 0.6 mi
E
East Albemarle Elementary SchoolD-
Elementary · Grades KG–5 · 0.7 mi
H
Albemarle High SchoolD+
High · Grades 9–12 · 1.4 mi

District: Stanly County Schools

Neighborhood · ZIP 28001These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.68

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.90%
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.16%
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.31,375
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.230 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,588
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,453
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

320 Ridge St 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 73% of homes in Stanly County
  • Costs less per square foot than 66% of homes in Stanly County
  • Smaller than 67% of homes in Stanly County
  • Has a smaller lot than 67% of homes in Stanly County
  • Older than 92% of homes in Stanly County

What homes are worth in Albemarle 28001

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

This home
$68K$732K

This home is worth more than 34% of homes in Albemarle 28001.

How it measures up in Albemarle 28001

The dot is this home. The mark in the middle is the typical home in Albemarle 28001.

Estimated value$198,003
CheaperTypical $250,000Pricier

Pricier than 34% of homes nearby

Price per ft²$150
CheaperTypical $162Pricier

Pricier than 42% of homes nearby

Living area1,316 ft²
SmallerTypical 1,493 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.47 ac
SmallerTypical 0.55 acBigger

Bigger than 43% of homes nearby

Year built1920
OlderTypical 1965Newer

Newer than 9% of homes nearby

How 320 Ridge St ranks against every home in each area.
MeasureThis homeAlbemarle 28001Stanly County
Estimated valuepricier than$198,00334% of homes27% of homes
Price per ft²pricier than$15042% of homes34% of homes
Living areabigger than1,316 ft²36% of homes33% of homes
Lot sizebigger than0.47 ac43% of homes33% of homes
Year builtnewer than19209% of homes8% of homes

About 320 Ridge St

How much is 320 Ridge St, Albemarle, NC worth?

The TopHap Estimate for 320 Ridge St, Albemarle, NC is $198,003 as of Jul 14, 2026. The likely range is $171,192 to $224,814. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 Ridge St, Albemarle, NC last sell?

320 Ridge St, Albemarle, NC last sold on Aug 24, 2021 for $36,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 320 Ridge St, Albemarle, NC?

320 Ridge St, Albemarle, NC has 3 bedrooms, 1 bathrooms, 1,316 square feet of living space and a 0.47-acre lot.

When was 320 Ridge St, Albemarle, NC built?

320 Ridge St, Albemarle, NC was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 320 Ridge St, Albemarle, NC?

320 Ridge St, Albemarle, NC is assigned to Albemarle Middle School (middle), rated D+; East Albemarle Elementary School (elementary), rated D-; Albemarle High School (high), rated D+. All sit in Stanly County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 Ridge St, Albemarle, NC compare to other homes in Albemarle 28001?

Among the 11,331 homes in Albemarle 28001, it is worth more than 34% of them ($198,003 against a typical $250,000), its price per square foot is higher than 42% of them ($150 against a typical $162), it is bigger than 36% of them (1,316 ft² against a typical 1,493 ft²), its lot is bigger than 43% of them (0.47 ac against a typical 0.55 ac) and it is newer than 9% of them (1920 against a typical 1965). Measured against all of Stanly County, it is worth more than 27% 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 320 Ridge St, Albemarle, NC?

The 2025 property tax bill for 320 Ridge St, Albemarle, NC was $1,664. The county assessed it at $148,537.

Closest homes

More homes in Albemarle 28001

Assigned schools

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