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Single Family ResidenceResidential
$368,098$268 / 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 92How 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 $305,000 on Jun 15, 2026

407 TREE CT

HOLLY RIDGE, NC 28445
3
Beds
2
Baths
1,372 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.
2009
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$368K
$338K low$398K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$305,000 · Jun 15, 2026
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.$56,541
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$45,233
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.85%
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.$311,557
UNITED WHOLESALE MORTGAGE · 6.3% · recorded Jun 15, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,367 (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.$237,888 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$45,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$192,888
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$237,888

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.Ranch
CountyONSLOW
Lot (acres)The size of the land the home sits on, from county records.0.16
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Coastal Elementary SchoolA+
Elementary · Grades KG–5 · 4.9 mi
M
Dixon Middle SchoolB+
Middle · Grades 6–8 · 8.6 mi
H
Dixon High SchoolC+
High · Grades 9–12 · 8.8 mi

District: Onslow County Schools

Neighborhood · ZIP 28445These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

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.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
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.10,463
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.107 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,137
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,256
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.56 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

407 Tree Ct 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 78% of homes in Holly Ridge 28445
  • Costs more per square foot than 91% of homes in Onslow County
  • Smaller than 67% of homes in Onslow County
  • Has a smaller lot than 90% of homes in Onslow County
  • Newer than 70% of homes in Onslow County

What homes are worth in Holly Ridge 28445

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

This home
$140K$1.8M

This home is worth more than 22% of homes in Holly Ridge 28445.

How it measures up in Holly Ridge 28445

The dot is this home. The mark in the middle is the typical home in Holly Ridge 28445.

Estimated value$368,098
CheaperTypical $625,787Pricier

Pricier than 22% of homes nearby

Price per ft²$268
CheaperTypical $388Pricier

Pricier than 35% of homes nearby

Living area1,372 ft²
SmallerTypical 1,615 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.16 ac
SmallerTypical 0.19 acBigger

Bigger than 35% of homes nearby

Year built2009
OlderTypical 2005Newer

Newer than 59% of homes nearby

How 407 Tree Ct ranks against every home in each area.
MeasureThis homeHolly Ridge 28445Onslow County
Estimated valuepricier than$368,09822% of homes74% of homes
Price per ft²pricier than$26835% of homes91% of homes
Living areabigger than1,372 ft²34% of homes33% of homes
Lot sizebigger than0.16 ac35% of homes10% of homes
Year builtnewer than200959% of homes70% of homes

About 407 Tree Ct

How much is 407 Tree Ct, Holly Ridge, NC worth?

The TopHap Estimate for 407 Tree Ct, Holly Ridge, NC is $368,098 as of Jul 14, 2026. The likely range is $337,918 to $398,278. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 407 Tree Ct, Holly Ridge, NC last sell?

407 Tree Ct, Holly Ridge, NC last sold on Jun 15, 2026 for $305,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 407 Tree Ct, Holly Ridge, NC?

407 Tree Ct, Holly Ridge, NC has 3 bedrooms, 2 bathrooms, 1,372 square feet of living space and a 0.16-acre lot.

When was 407 Tree Ct, Holly Ridge, NC built?

407 Tree Ct, Holly Ridge, NC was built in 2009, making it 17 years old. It is a ranch home. The building has 1 story.

What schools serve 407 Tree Ct, Holly Ridge, NC?

407 Tree Ct, Holly Ridge, NC is assigned to Coastal Elementary School (elementary), rated A+; Dixon Middle School (middle), rated B+; Dixon High School (high), rated C+. All sit in Onslow County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 407 Tree Ct, Holly Ridge, NC compare to other homes in Holly Ridge 28445?

Among the 9,803 homes in Holly Ridge 28445, it is worth more than 22% of them ($368,098 against a typical $625,787), its price per square foot is higher than 35% of them ($268 against a typical $388), it is bigger than 34% of them (1,372 ft² against a typical 1,615 ft²), its lot is bigger than 35% of them (0.16 ac against a typical 0.19 ac) and it is newer than 59% of them (2009 against a typical 2005). Measured against all of Onslow County, it is worth more than 74% 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 407 Tree Ct, Holly Ridge, NC?

The 2025 property tax bill for 407 Tree Ct, Holly Ridge, NC was $2,367. The county assessed it at $237,888.

Closest homes

More homes in Holly Ridge 28445

Assigned schools

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