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Single Family ResidenceResidential
$276,822$288 / 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 76How 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

35 RUFF LN

MILL SPRING, NC 28756
2
Beds
2
Baths
960 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.
1.85 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$277K
$210K low$343K 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.$158,792
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$127,034
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.43%
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.$118,030
CARDINAL FINANCIAL COMPANY LP · recorded Jul 27, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$813 (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.$159,239 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$37,862
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$121,377
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$112,096
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$159,239

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPOLK
Lot (acres)The size of the land the home sits on, from county records.1.85
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

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
Polk Central Elementary SchoolC-
Elementary · Grades PK–5 · 0.8 mi
M
Polk County Middle SchoolC-
Middle · Grades 6–8 · 1.9 mi
H
Polk County High SchoolC+
High · Grades 9–12 · 3.0 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

35 Ruff Ln 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 74% of homes in Polk County
  • Smaller than 85% of homes in Polk County
  • Has a smaller lot than 70% of homes in Mill Spring 28756
  • Newer than 66% of homes in Polk County

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
$111K$1.9M

This home is worth more than 31% 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$276,822
CheaperTypical $392,547Pricier

Pricier than 31% of homes nearby

Price per ft²$288
CheaperTypical $291Pricier

Pricier than 49% of homes nearby

Living area960 ft²
SmallerTypical 1,352 ft²Bigger

Bigger than 17% of homes nearby

Lot size1.85 ac
SmallerTypical 3.33 acBigger

Bigger than 30% of homes nearby

Year built1989
OlderTypical 1986Newer

Newer than 54% of homes nearby

How 35 Ruff Ln ranks against every home in each area.
MeasureThis homeMill Spring 28756Polk County
Estimated valuepricier than$276,82231% of homes26% of homes
Price per ft²pricier than$28849% of homes58% of homes
Living areabigger than960 ft²17% of homes15% of homes
Lot sizebigger than1.85 ac30% of homes45% of homes
Year builtnewer than198954% of homes66% of homes

About 35 Ruff Ln

How much is 35 Ruff Ln, Mill Spring, NC worth?

The TopHap Estimate for 35 Ruff Ln, Mill Spring, NC is $276,822 as of Jul 14, 2026. The likely range is $210,300 to $343,344. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 35 Ruff Ln, Mill Spring, NC last sell?

35 Ruff Ln, Mill Spring, NC last sold on Jul 27, 2020, according to the county's recorded deed.

How big is 35 Ruff Ln, Mill Spring, NC?

35 Ruff Ln, Mill Spring, NC has 2 bedrooms, 2 bathrooms, 960 square feet of living space and a 1.85-acre lot.

When was 35 Ruff Ln, Mill Spring, NC built?

35 Ruff Ln, Mill Spring, NC was built in 1989, making it 37 years old.

What schools serve 35 Ruff Ln, Mill Spring, NC?

35 Ruff Ln, Mill Spring, NC is assigned to Polk Central Elementary School (elementary), rated C-; 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 35 Ruff Ln, Mill Spring, NC compare to other homes in Mill Spring 28756?

Among the 1,244 homes in Mill Spring 28756, it is worth more than 31% of them ($276,822 against a typical $392,547), its price per square foot is higher than 49% of them ($288 against a typical $291), it is bigger than 17% of them (960 ft² against a typical 1,352 ft²), its lot is bigger than 30% of them (1.85 ac against a typical 3.33 ac) and it is newer than 54% of them (1989 against a typical 1986). Measured against all of Polk County, it is worth more than 26% 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 35 Ruff Ln, Mill Spring, NC?

The 2025 property tax bill for 35 Ruff Ln, Mill Spring, NC was $813. The county assessed it at $159,239.

Closest homes

More homes in Mill Spring 28756

Assigned schools

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