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Single Family ResidenceResidential
$592,114$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 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 $23,000 on Dec 1, 1997

435 STEWART ROCK RD

STONY POINT, NC 28678
4
Beds
3
Baths
2,136 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.
5.44 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.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$592K
$542K low$642K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$23,000 · Dec 1, 1997
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.$455,114
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$364,091
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.23%
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.$137,000
QUICKEN LNS · recorded Feb 18, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,666 (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.$272,170 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$221,170
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$272,170
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$272,170

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyIredell
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.2007
Lot (acres)The size of the land the home sits on, from county records.5.44
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.Asphalt
HeatingThe type of heating system in the home.Heat Pump
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.Porch · 80 ft²

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
Sharon Elementary SchoolB-
Elementary · Grades KG–5 · 2.4 mi
H
West Iredell High SchoolD
High · Grades 9–12 · 6.2 mi
M
West Iredell Middle SchoolD+
Middle · Grades 6–8 · 6.4 mi

District: Iredell-Statesville Schools

Neighborhood · ZIP 28678These 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.99
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 100.73

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.6,220
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.135 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,778
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,891
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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

435 Stewart Rock 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 93% of homes in Stony Point 28678
  • Costs more per square foot than 87% of homes in Stony Point 28678
  • Bigger than 87% of homes in Stony Point 28678
  • Has a bigger lot than 94% of homes in Iredell County
  • Newer than 82% of homes in Stony Point 28678

What homes are worth in Stony Point 28678

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

This home
$30K$769K

This home is worth more than 93% of homes in Stony Point 28678.

How it measures up in Stony Point 28678

The dot is this home. The mark in the middle is the typical home in Stony Point 28678.

Estimated value$592,114
CheaperTypical $255,411Pricier

Pricier than 93% of homes nearby

Price per ft²$277
CheaperTypical $185Pricier

Pricier than 87% of homes nearby

Living area2,136 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 87% of homes nearby

Lot size5.44 ac
SmallerTypical 1.23 acBigger

Bigger than 81% of homes nearby

Year built2005
OlderTypical 1994Newer

Newer than 82% of homes nearby

How 435 Stewart Rock Rd ranks against every home in each area.
MeasureThis homeStony Point 28678Iredell County
Estimated valuepricier than$592,11493% of homes78% of homes
Price per ft²pricier than$27787% of homes81% of homes
Living areabigger than2,136 ft²87% of homes63% of homes
Lot sizebigger than5.44 ac81% of homes94% of homes
Year builtnewer than200582% of homes68% of homes

About 435 Stewart Rock Rd

How much is 435 Stewart Rock Rd, Stony Point, NC worth?

The TopHap Estimate for 435 Stewart Rock Rd, Stony Point, NC is $592,114 as of Jul 14, 2026. The likely range is $542,237 to $641,991. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Stewart Rock Rd, Stony Point, NC last sell?

435 Stewart Rock Rd, Stony Point, NC last sold on Dec 1, 1997 for $23,000, according to the county's recorded deed.

How big is 435 Stewart Rock Rd, Stony Point, NC?

435 Stewart Rock Rd, Stony Point, NC has 4 bedrooms, 3 bathrooms, 2,136 square feet of living space and a 5.44-acre lot.

When was 435 Stewart Rock Rd, Stony Point, NC built?

435 Stewart Rock Rd, Stony Point, NC was built in 2005, making it 21 years old. It is a split level home. The building has 2 stories.

What schools serve 435 Stewart Rock Rd, Stony Point, NC?

435 Stewart Rock Rd, Stony Point, NC is assigned to Sharon Elementary School (elementary), rated B-; West Iredell High School (high), rated D; West Iredell Middle School (middle), rated D+. All sit in Iredell-Statesville Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 Stewart Rock Rd, Stony Point, NC compare to other homes in Stony Point 28678?

Among the 2,182 homes in Stony Point 28678, it is worth more than 93% of them ($592,114 against a typical $255,411), its price per square foot is higher than 87% of them ($277 against a typical $185), it is bigger than 87% of them (2,136 ft² against a typical 1,536 ft²), its lot is bigger than 81% of them (5.44 ac against a typical 1.23 ac) and it is newer than 82% of them (2005 against a typical 1994). Measured against all of Iredell County, it is worth more than 78% 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 435 Stewart Rock Rd, Stony Point, NC?

The 2025 property tax bill for 435 Stewart Rock Rd, Stony Point, NC was $1,666. The county assessed it at $272,170.

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Assigned schools

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