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Single Family ResidenceResidential
$573,612$270 / 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 94How 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 $195,500 on Sep 24, 2004

432 RIVER BANKS RD

MATTHEWS, NC 28105
3
Beds
3 / 1
Baths
2,125 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.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$574K
$539K low$608K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,500 · Sep 24, 2004
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.$404,412
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$323,530
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.29%
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.$169,200
E MORTGAGE MANAGEMENT LLC · recorded Oct 1, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,489 (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.$465,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$365,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$464,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$465,500

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.16 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyMecklenburg
Lot (acres)The size of the land the home sits on, from county records.0.27
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
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 · 120 ft²Porch · 126 ft²

Transaction History(4)

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
Matthews Elementary SchoolA+
Elementary · Grades KG–5 · 0.4 mi
M
Crestdale Middle SchoolA
Middle · Grades 6–8 · 1.5 mi
H
David W. Butler High SchoolB-
High · Grades 9–12 · 1.9 mi

District: Charlotte-Mecklenburg Schools

Neighborhood · ZIP 28105These 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.54
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.79

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.38%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.47,608
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,106 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,613
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$117,303
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.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

432 River Banks 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 more than 70% of homes in Mecklenburg County
  • Costs more per square foot than 75% of homes in Matthews 28105

What homes are worth in Matthews 28105

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

This home
$242K$1.3M

This home is worth more than 66% of homes in Matthews 28105.

How it measures up in Matthews 28105

The dot is this home. The mark in the middle is the typical home in Matthews 28105.

Estimated value$573,612
CheaperTypical $505,142Pricier

Pricier than 66% of homes nearby

Price per ft²$270
CheaperTypical $238Pricier

Pricier than 75% of homes nearby

Living area2,125 ft²
SmallerTypical 2,176 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.27 ac
SmallerTypical 0.33 acBigger

Bigger than 37% of homes nearby

Year built1996
OlderTypical 1994Newer

Newer than 56% of homes nearby

How 432 River Banks Rd ranks against every home in each area.
MeasureThis homeMatthews 28105Mecklenburg County
Estimated valuepricier than$573,61266% of homes70% of homes
Price per ft²pricier than$27075% of homes68% of homes
Living areabigger than2,125 ft²48% of homes60% of homes
Lot sizebigger than0.27 ac37% of homes53% of homes
Year builtnewer than199656% of homes50% of homes

About 432 River Banks Rd

How much is 432 River Banks Rd, Matthews, NC worth?

The TopHap Estimate for 432 River Banks Rd, Matthews, NC is $573,612 as of Jul 14, 2026. The likely range is $538,889 to $608,335. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 River Banks Rd, Matthews, NC last sell?

432 River Banks Rd, Matthews, NC last sold on Sep 24, 2004 for $195,500, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 432 River Banks Rd, Matthews, NC?

432 River Banks Rd, Matthews, NC has 3 bedrooms, 3 bathrooms, 2,125 square feet of living space and a 0.27-acre lot.

When was 432 River Banks Rd, Matthews, NC built?

432 River Banks Rd, Matthews, NC was built in 1996, making it 30 years old. The building has 2 stories.

What schools serve 432 River Banks Rd, Matthews, NC?

432 River Banks Rd, Matthews, NC is assigned to Matthews Elementary School (elementary), rated A+; Crestdale Middle School (middle), rated A; David W. Butler High School (high), rated B-. All sit in Charlotte-Mecklenburg Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 432 River Banks Rd, Matthews, NC compare to other homes in Matthews 28105?

Among the 14,165 homes in Matthews 28105, it is worth more than 66% of them ($573,612 against a typical $505,142), its price per square foot is higher than 75% of them ($270 against a typical $238), it is bigger than 48% of them (2,125 ft² against a typical 2,176 ft²), its lot is bigger than 37% of them (0.27 ac against a typical 0.33 ac) and it is newer than 56% of them (1996 against a typical 1994). Measured against all of Mecklenburg County, it is worth more than 70% 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 432 River Banks Rd, Matthews, NC?

The 2024 property tax bill for 432 River Banks Rd, Matthews, NC was $3,489. The county assessed it at $465,500.

Closest homes

More homes in Matthews 28105

Assigned schools

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