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Single Family ResidenceResidential
$298,097$89 / 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 94How 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

3227 RIVER RD

STELLA, NC 28582
4
Beds
4 / 1
Baths
3,343 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.
1.24 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$298K
$282K low$315K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,114 (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.$475,419 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$56,720
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$418,699
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$475,419
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$475,419

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.59
84
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
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.36 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.0.2 percent flood zone

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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyOnslow
Lot (acres)The size of the land the home sits on, from county records.1.24
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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.

E
Silverdale Elementary SchoolC+
Elementary · Grades KG–5 · 2.2 mi
M
Swansboro Middle SchoolB-
Middle · Grades 6–8 · 4.9 mi
H
Swansboro High SchoolA-
High · Grades 9–12 · 5.3 mi

District: Onslow County Schools

Neighborhood · ZIP 28582These 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.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

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.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.3,281
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.167 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,925
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,519
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.57 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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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

3227 River 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.

  • Costs less per square foot than 98% of homes in Onslow County
  • Bigger than 97% of homes in Onslow County
  • Has a bigger lot than 86% of homes in Onslow County

What homes are worth in Stella 28582

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

This home
$59K$863K

This home is worth more than 36% of homes in Stella 28582.

How it measures up in Stella 28582

The dot is this home. The mark in the middle is the typical home in Stella 28582.

Estimated value$298,097
CheaperTypical $371,214Pricier

Pricier than 36% of homes nearby

Price per ft²$89
CheaperTypical $192Pricier

Pricier than 3% of homes nearby

Living area3,343 ft²
SmallerTypical 1,960 ft²Bigger

Bigger than 95% of homes nearby

Lot size1.24 ac
SmallerTypical 0.87 acBigger

Bigger than 67% of homes nearby

Year built2001
OlderTypical 2004Newer

Newer than 46% of homes nearby

How 3227 River Rd ranks against every home in each area.
MeasureThis homeStella 28582Onslow County
Estimated valuepricier than$298,09736% of homes57% of homes
Price per ft²pricier than$893% of homes2% of homes
Living areabigger than3,343 ft²95% of homes97% of homes
Lot sizebigger than1.24 ac67% of homes86% of homes
Year builtnewer than200146% of homes52% of homes

About 3227 River Rd

How much is 3227 River Rd, Stella, NC worth?

The TopHap Estimate for 3227 River Rd, Stella, NC is $298,097 as of Jul 14, 2026. The likely range is $281,613 to $314,581. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3227 River Rd, Stella, NC?

3227 River Rd, Stella, NC has 4 bedrooms, 4 bathrooms, 3,343 square feet of living space and a 1.24-acre lot.

When was 3227 River Rd, Stella, NC built?

3227 River Rd, Stella, NC was built in 2001, making it 25 years old. It is a conventional home. The building has 2 stories.

What schools serve 3227 River Rd, Stella, NC?

3227 River Rd, Stella, NC is assigned to Silverdale Elementary School (elementary), rated C+; Swansboro Middle School (middle), rated B-; Swansboro High School (high), rated A-. All sit in Onslow County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3227 River Rd, Stella, NC compare to other homes in Stella 28582?

Among the 1,003 homes in Stella 28582, it is worth more than 36% of them ($298,097 against a typical $371,214), its price per square foot is higher than 3% of them ($89 against a typical $192), it is bigger than 95% of them (3,343 ft² against a typical 1,960 ft²), its lot is bigger than 67% of them (1.24 ac against a typical 0.87 ac) and it is newer than 46% of them (2001 against a typical 2004). Measured against all of Onslow 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 3227 River Rd, Stella, NC?

The 2025 property tax bill for 3227 River Rd, Stella, NC was $3,114. The county assessed it at $475,419.

More homes on River Rd

Closest homes

More homes in Stella 28582

Assigned schools

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