Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$361,744$294 / 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 Sep 24, 2026
Last sold for $339,000 on Sep 21, 2023

431 CROSS CREEK DR

RUTHERFORDTON, NC 28139
2
Beds
2
Baths
1,232 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.
2.27 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$362K
$318K low$405K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$339,000 · Sep 21, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,687 (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.$266,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$40,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$226,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$266,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$266,900

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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 Residential
CountyRutherford
Lot (acres)The size of the land the home sits on, from county records.2.27
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Fan Cooling
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Deck · 332 ft²Patio · 332 ft²Porch · 240 ft²

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.

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

H
R-S Central High SchoolC
High · Grades 9–12 · 1.5 mi
M
R-S Middle SchoolC+
Middle · Grades 6–8 · 3.8 mi
E
Rutherfordton Elementary SchoolB
Elementary · Grades PK–5 · 4.8 mi

District: Rutherford County Schools

Neighborhood · ZIP 28139These 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.106
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 100.85

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Owner Tools

Do you own this home?
Claim this home

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

431 Cross Creek 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 73% of homes in Rutherford County
  • Costs more per square foot than 89% of homes in Rutherfordton 28139
  • Smaller than 74% of homes in Rutherfordton 28139
  • Has a bigger lot than 70% of homes in Rutherford County
  • Newer than 86% of homes in Rutherford County

What homes are worth in Rutherfordton 28139

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

This home
$64K$830K

This home is worth more than 65% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$361,744
CheaperTypical $291,496Pricier

Pricier than 65% of homes nearby

Price per ft²$294
CheaperTypical $181Pricier

Pricier than 89% of homes nearby

Living area1,232 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 26% of homes nearby

Lot size2.27 ac
SmallerTypical 1.8 acBigger

Bigger than 58% of homes nearby

Year built2005
OlderTypical 1985Newer

Newer than 85% of homes nearby

How 431 Cross Creek Dr ranks against every home in each area.
MeasureThis homeRutherfordton 28139Rutherford County
Estimated valuepricier than$361,74465% of homes73% of homes
Price per ft²pricier than$29489% of homes86% of homes
Living areabigger than1,232 ft²26% of homes33% of homes
Lot sizebigger than2.27 ac58% of homes70% of homes
Year builtnewer than200585% of homes86% of homes

About 431 Cross Creek Dr

How much is 431 Cross Creek Dr, Rutherfordton, NC worth?

The TopHap Estimate for 431 Cross Creek Dr, Rutherfordton, NC is $361,744 as of Sep 24, 2026. The likely range is $318,010 to $405,478. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 431 Cross Creek Dr, Rutherfordton, NC last sell?

431 Cross Creek Dr, Rutherfordton, NC last sold on Sep 21, 2023 for $339,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 431 Cross Creek Dr, Rutherfordton, NC?

431 Cross Creek Dr, Rutherfordton, NC has 2 bedrooms, 2 bathrooms, 1,232 square feet of living space and a 2.27-acre lot.

When was 431 Cross Creek Dr, Rutherfordton, NC built?

431 Cross Creek Dr, Rutherfordton, NC was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 431 Cross Creek Dr, Rutherfordton, NC?

431 Cross Creek Dr, Rutherfordton, NC is assigned to R-S Central High School (high), rated C; R-S Middle School (middle), rated C+; Rutherfordton Elementary School (elementary), rated B. All sit in Rutherford County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 431 Cross Creek Dr, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,473 homes in Rutherfordton 28139, it is worth more than 65% of them ($361,744 against a typical $291,496), its price per square foot is higher than 89% of them ($294 against a typical $181), it is bigger than 26% of them (1,232 ft² against a typical 1,540 ft²), its lot is bigger than 58% of them (2.27 ac against a typical 1.8 ac) and it is newer than 85% of them (2005 against a typical 1985). Measured against all of Rutherford County, it is worth more than 73% 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 431 Cross Creek Dr, Rutherfordton, NC?

The 2025 property tax bill for 431 Cross Creek Dr, Rutherfordton, NC was $1,687. The county assessed it at $266,900.

More homes on Cross Creek Dr

Closest homes

More homes in Rutherfordton 28139

Assigned schools

Explore the area

See this home in context

Open 431 Cross Creek Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map