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Single Family ResidenceResidential
$340,356$121 / 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 88How 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 $235,000 on Jan 22, 2020

398 SETTLERS RIDGE DR

KANNAPOLIS, NC 28081
4
Beds
3 / 1
Baths
2,817 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$340K
$299K low$382K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$235,000 · Jan 22, 2020
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.$29,613
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$23,690
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.93%
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.$230,743
TOWNEBANK MORTGAGE · E · recorded Jan 22, 2020
2nd 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.$80,000
TRULIANT FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,409 (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.$388,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$323,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$388,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$388,300

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCabarrus
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.2011
Lot (acres)The size of the land the home sits on, from county records.0.16
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
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.Patio · 368 ft²

Transaction History(7)

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
Winecoff Elementary SchoolB-
Elementary · Grades PK–5 · 1.7 mi
H
Northwest Cabarrus High SchoolB
High · Grades 9–12 · 2.3 mi
M
Northwest Cabarrus Middle SchoolB+
Middle · Grades 6–8 · 2.3 mi

District: Cabarrus County Schools

Neighborhood · ZIP 28081These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.93%
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.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.30,289
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.971 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,913
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,643
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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

398 Settlers Ridge Dr 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 67% of homes in Kannapolis 28081
  • Costs less per square foot than 96% of homes in Cabarrus County
  • Bigger than 92% of homes in Kannapolis 28081
  • Has a smaller lot than 89% of homes in Kannapolis 28081
  • Newer than 77% of homes in Kannapolis 28081

What homes are worth in Kannapolis 28081

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

This home
$75K$798K

This home is worth more than 67% of homes in Kannapolis 28081.

How it measures up in Kannapolis 28081

The dot is this home. The mark in the middle is the typical home in Kannapolis 28081.

Estimated value$340,356
CheaperTypical $279,901Pricier

Pricier than 67% of homes nearby

Price per ft²$121
CheaperTypical $187Pricier

Pricier than 8% of homes nearby

Living area2,817 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.16 ac
SmallerTypical 0.34 acBigger

Bigger than 11% of homes nearby

Year built2006
OlderTypical 1980Newer

Newer than 77% of homes nearby

How 398 Settlers Ridge Dr ranks against every home in each area.
MeasureThis homeKannapolis 28081Cabarrus County
Estimated valuepricier than$340,35667% of homes41% of homes
Price per ft²pricier than$1218% of homes4% of homes
Living areabigger than2,817 ft²92% of homes80% of homes
Lot sizebigger than0.16 ac11% of homes16% of homes
Year builtnewer than200677% of homes70% of homes

About 398 Settlers Ridge Dr

How much is 398 Settlers Ridge Dr, Kannapolis, NC worth?

The TopHap Estimate for 398 Settlers Ridge Dr, Kannapolis, NC is $340,356 as of Jul 14, 2026. The likely range is $298,612 to $382,100. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 398 Settlers Ridge Dr, Kannapolis, NC last sell?

398 Settlers Ridge Dr, Kannapolis, NC last sold on Jan 22, 2020 for $235,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 398 Settlers Ridge Dr, Kannapolis, NC?

398 Settlers Ridge Dr, Kannapolis, NC has 4 bedrooms, 3 bathrooms, 2,817 square feet of living space and a 0.16-acre lot.

When was 398 Settlers Ridge Dr, Kannapolis, NC built?

398 Settlers Ridge Dr, Kannapolis, NC was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 398 Settlers Ridge Dr, Kannapolis, NC?

398 Settlers Ridge Dr, Kannapolis, NC is assigned to Winecoff Elementary School (elementary), rated B-; Northwest Cabarrus High School (high), rated B; Northwest Cabarrus Middle School (middle), rated B+. All sit in Cabarrus County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 398 Settlers Ridge Dr, Kannapolis, NC compare to other homes in Kannapolis 28081?

Among the 11,248 homes in Kannapolis 28081, it is worth more than 67% of them ($340,356 against a typical $279,901), its price per square foot is higher than 8% of them ($121 against a typical $187), it is bigger than 92% of them (2,817 ft² against a typical 1,512 ft²), its lot is bigger than 11% of them (0.16 ac against a typical 0.34 ac) and it is newer than 77% of them (2006 against a typical 1980). Measured against all of Cabarrus County, it is worth more than 41% 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 398 Settlers Ridge Dr, Kannapolis, NC?

The 2025 property tax bill for 398 Settlers Ridge Dr, Kannapolis, NC was $4,409. The county assessed it at $388,300.

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More homes in Kannapolis 28081

Assigned schools

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