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Single Family ResidenceResidential
$694,685$277 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $550,000 on May 13, 2024

40 SARATOGA WAY

ROCKY POINT, NC 28457
4
Beds
3 / 1
Baths
2,506 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.
3.39 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$695K
$646K low$743K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$550,000 · May 13, 2024
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.$254,765
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$203,812
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.63%
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.$439,920
GUARANTEED RATE INC · 6.99% 1 · recorded May 13, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,324 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$337,769 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$134,760
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$203,009
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$337,769
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$337,769

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.66
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
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.132 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.80%
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.1 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
CountyPender
Lot (acres)The size of the land the home sits on, from county records.3.39
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Heat Pump
FireplaceWhether the home has a fireplace, and what kind.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
South Topsail Elementary SchoolA
Elementary · Grades PK–5 · 3.3 mi
H
Topsail High SchoolA
High · Grades 9–12 · 5.0 mi
M
Topsail Middle SchoolB-
Middle · Grades 6–8 · 5.3 mi

District: Pender County Schools

Neighborhood · ZIP 28457These 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.133
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 100.57

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.13,290
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.91 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,266
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,868
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.63%

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

40 Saratoga Way 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 95% of homes in Rocky Point 28457
  • Costs more per square foot than 91% of homes in Rocky Point 28457
  • Bigger than 87% of homes in Rocky Point 28457
  • Has a bigger lot than 89% of homes in Pender County
  • Among the newest homes in Rocky Point 28457

What homes are worth in Rocky Point 28457

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

This home
$83K$833K

This home is worth more than 95% of homes in Rocky Point 28457.

How it measures up in Rocky Point 28457

The dot is this home. The mark in the middle is the typical home in Rocky Point 28457.

Estimated value$694,685
CheaperTypical $386,589Pricier

Pricier than 95% of homes nearby

Price per ft²$277
CheaperTypical $205Pricier

Pricier than 91% of homes nearby

Living area2,506 ft²
SmallerTypical 1,728 ft²Bigger

Bigger than 87% of homes nearby

Lot size3.39 ac
SmallerTypical 0.72 acBigger

Bigger than 87% of homes nearby

Year built2022
OlderTypical 2000Newer

Newer than almost all homes nearby

How 40 Saratoga Way ranks against every home in each area.
MeasureThis homeRocky Point 28457Pender County
Estimated valuepricier than$694,68595% of homes76% of homes
Price per ft²pricier than$27791% of homes67% of homes
Living areabigger than2,506 ft²87% of homes81% of homes
Lot sizebigger than3.39 ac87% of homes89% of homes
Year builtnewer than2022almost all homesalmost all homes

About 40 Saratoga Way

How much is 40 Saratoga Way, Rocky Point, NC worth?

The TopHap Estimate for 40 Saratoga Way, Rocky Point, NC is $694,685 as of Jun 23, 2026. The likely range is $646,057 to $743,312. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Saratoga Way, Rocky Point, NC last sell?

40 Saratoga Way, Rocky Point, NC last sold on May 13, 2024 for $550,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 40 Saratoga Way, Rocky Point, NC?

40 Saratoga Way, Rocky Point, NC has 4 bedrooms, 3 bathrooms, 2,506 square feet of living space and a 3.39-acre lot.

When was 40 Saratoga Way, Rocky Point, NC built?

40 Saratoga Way, Rocky Point, NC was built in 2022, making it 4 years old. It is a conventional home. The building has 2 stories.

What schools serve 40 Saratoga Way, Rocky Point, NC?

40 Saratoga Way, Rocky Point, NC is assigned to South Topsail Elementary School (elementary), rated A; Topsail High School (high), rated A; Topsail Middle School (middle), rated B-. All sit in Pender County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Saratoga Way, Rocky Point, NC compare to other homes in Rocky Point 28457?

Among the 4,876 homes in Rocky Point 28457, it is worth more than 95% of them ($694,685 against a typical $386,589), its price per square foot is higher than 91% of them ($277 against a typical $205), it is bigger than 87% of them (2,506 ft² against a typical 1,728 ft²), its lot is bigger than 87% of them (3.39 ac against a typical 0.72 ac) and it is newer than almost all of them (2022 against a typical 2000). Measured against all of Pender County, it is worth more than 76% 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 40 Saratoga Way, Rocky Point, NC?

The 2024 property tax bill for 40 Saratoga Way, Rocky Point, NC was $3,324. The county assessed it at $337,769.

Closest homes

More homes in Rocky Point 28457

Assigned schools

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