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Single Family ResidenceResidential
$686,388$447 / 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 77How 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

340 HENRY RUFF RD

MILL SPRING, NC 28756
3
Beds
2
Baths
1,536 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.
3.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$686K
$526K low$847K 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.$686,388
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$549,110

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,368 (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.$272,351 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,767
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$246,584
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$191,730
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$294,894

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.61
77
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
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.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
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.61 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyPolk
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.1975
Lot (acres)The size of the land the home sits on, from county records.3.52
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Retaining Wall
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

E
Sunny View Elementary SchoolB-
Elementary · Grades PK–5 · 2.1 mi
M
Polk County Middle SchoolC-
Middle · Grades 6–8 · 5.4 mi
H
Polk County High SchoolC+
High · Grades 9–12 · 7.2 mi

District: Polk County Schools

Neighborhood · ZIP 28756These 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.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.4,442
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.50 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,482
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,252
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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

340 Henry Ruff 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 83% of homes in Polk County
  • Costs more per square foot than 85% of homes in Polk County
  • Older than 73% of homes in Mill Spring 28756

What homes are worth in Mill Spring 28756

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

This home
$106K$1.8M

This home is worth more than 74% of homes in Mill Spring 28756.

How it measures up in Mill Spring 28756

The dot is this home. The mark in the middle is the typical home in Mill Spring 28756.

Estimated value$686,388
CheaperTypical $392,126Pricier

Pricier than 74% of homes nearby

Price per ft²$447
CheaperTypical $291Pricier

Pricier than 75% of homes nearby

Living area1,536 ft²
SmallerTypical 1,352 ft²Bigger

Bigger than 63% of homes nearby

Lot size3.52 ac
SmallerTypical 3.33 acBigger

Bigger than 51% of homes nearby

Year built1960
OlderTypical 1986Newer

Newer than 27% of homes nearby

How 340 Henry Ruff Rd ranks against every home in each area.
MeasureThis homeMill Spring 28756Polk County
Estimated valuepricier than$686,38874% of homes83% of homes
Price per ft²pricier than$44775% of homes85% of homes
Living areabigger than1,536 ft²63% of homes56% of homes
Lot sizebigger than3.52 ac51% of homes63% of homes
Year builtnewer than196027% of homes34% of homes

About 340 Henry Ruff Rd

How much is 340 Henry Ruff Rd, Mill Spring, NC worth?

The TopHap Estimate for 340 Henry Ruff Rd, Mill Spring, NC is $686,388 as of Jul 14, 2026. The likely range is $525,727 to $847,049. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 340 Henry Ruff Rd, Mill Spring, NC last sell?

340 Henry Ruff Rd, Mill Spring, NC last sold on Jun 21, 2023, according to the county's recorded deed.

How big is 340 Henry Ruff Rd, Mill Spring, NC?

340 Henry Ruff Rd, Mill Spring, NC has 3 bedrooms, 2 bathrooms, 1,536 square feet of living space and a 3.52-acre lot.

When was 340 Henry Ruff Rd, Mill Spring, NC built?

340 Henry Ruff Rd, Mill Spring, NC was built in 1960, making it 66 years old.

What schools serve 340 Henry Ruff Rd, Mill Spring, NC?

340 Henry Ruff Rd, Mill Spring, NC is assigned to Sunny View Elementary School (elementary), rated B-; Polk County Middle School (middle), rated C-; Polk County High School (high), rated C+. All sit in Polk County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 340 Henry Ruff Rd, Mill Spring, NC compare to other homes in Mill Spring 28756?

Among the 1,245 homes in Mill Spring 28756, it is worth more than 74% of them ($686,388 against a typical $392,126), its price per square foot is higher than 75% of them ($447 against a typical $291), it is bigger than 63% of them (1,536 ft² against a typical 1,352 ft²), its lot is bigger than 51% of them (3.52 ac against a typical 3.33 ac) and it is newer than 27% of them (1960 against a typical 1986). Measured against all of Polk County, it is worth more than 83% 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 340 Henry Ruff Rd, Mill Spring, NC?

The 2025 property tax bill for 340 Henry Ruff Rd, Mill Spring, NC was $1,368. The county assessed it at $272,351.

Closest homes

More homes in Mill Spring 28756

Assigned schools

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