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Single Family ResidenceResidential
$41,038$23 / 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 56How 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 $91,500 on Oct 17, 2016

3644 RIVER RD

TROY, NC 27371
3
Beds
1
Baths
1,760 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.
1.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$41K
$23K low$59K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$91,500 · Oct 17, 2016
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.$41,038
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,830

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$265 (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.$43,049 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$26,549
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$43,049
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$43,049

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Single Family Residence
CountyMONTGOMERY
Lot (acres)The size of the land the home sits on, from county records.1.10
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Geo-Thermal
CoolingThe type of cooling or air conditioning in the home.None
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(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.

Foreclosure Filings(2)

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

M
West Middle SchoolB
Middle · Grades 6–8 · 6.7 mi
E
Troy Elementary School
Elementary · Grades PK–2 · 7.1 mi

District: Montgomery County Schools

Neighborhood · ZIP 27371These 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.121
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

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.18%
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.0.9%
PopulationHow many people live in this area.7,885
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.$58,271
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,271
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.Absentee owner

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

3644 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.

  • Worth less than 96% of homes in Troy 27371
  • Among the lowest price per square foot in Montgomery County
  • Bigger than 68% of homes in Troy 27371
  • Has a bigger lot than 65% of homes in Montgomery County
  • Older than 76% of homes in Montgomery County

What homes are worth in Troy 27371

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

This home
$33K$834K

This home is worth more than 4% of homes in Troy 27371.

How it measures up in Troy 27371

The dot is this home. The mark in the middle is the typical home in Troy 27371.

Estimated value$41,038
CheaperTypical $163,189Pricier

Pricier than 4% of homes nearby

Price per ft²$23
CheaperTypical $118Pricier

Cheaper than almost all homes nearby

Living area1,760 ft²
SmallerTypical 1,450 ft²Bigger

Bigger than 68% of homes nearby

Lot size1.1 ac
SmallerTypical 0.96 acBigger

Bigger than 55% of homes nearby

Year built1962
OlderTypical 1973Newer

Newer than 33% of homes nearby

How 3644 River Rd ranks against every home in each area.
MeasureThis homeTroy 27371Montgomery County
Estimated valuepricier than$41,0384% of homes6% of homes
Price per ft²pricier than$23almost no homesalmost no homes
Living areabigger than1,760 ft²68% of homes67% of homes
Lot sizebigger than1.1 ac55% of homes65% of homes
Year builtnewer than196233% of homes24% of homes

About 3644 River Rd

How much is 3644 River Rd, Troy, NC worth?

The TopHap Estimate for 3644 River Rd, Troy, NC is $41,038 as of Jul 14, 2026. The likely range is $23,092 to $58,984. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3644 River Rd, Troy, NC last sell?

3644 River Rd, Troy, NC last sold on Oct 17, 2016 for $91,500, according to the county's recorded deed.

How big is 3644 River Rd, Troy, NC?

3644 River Rd, Troy, NC has 3 bedrooms, 1 bathrooms, 1,760 square feet of living space and a 1.10-acre lot.

When was 3644 River Rd, Troy, NC built?

3644 River Rd, Troy, NC was built in 1962, making it 64 years old. The building has 1 story.

What schools serve 3644 River Rd, Troy, NC?

3644 River Rd, Troy, NC is assigned to West Middle School (middle), rated B; Troy Elementary School (elementary). All sit in Montgomery County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3644 River Rd, Troy, NC compare to other homes in Troy 27371?

Among the 3,443 homes in Troy 27371, it is worth more than 4% of them ($41,038 against a typical $163,189), its price per square foot is higher than almost none of them ($23 against a typical $118), it is bigger than 68% of them (1,760 ft² against a typical 1,450 ft²), its lot is bigger than 55% of them (1.1 ac against a typical 0.96 ac) and it is newer than 33% of them (1962 against a typical 1973). Measured against all of Montgomery County, it is worth more than 6% 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 3644 River Rd, Troy, NC?

The 2025 property tax bill for 3644 River Rd, Troy, NC was $265. The county assessed it at $43,049.

Closest homes

More homes in Troy 27371

Assigned schools

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