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Single Family ResidenceResidential
$184,544$153 / 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 72How 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 $95,000 on Sep 22, 2009

440 CUMMINGS ST

ROCK HILL, SC 29730
1
Baths
1,206 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$185K
$132K low$237K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$95,000 · Sep 22, 2009
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.$50,544
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$40,435
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.76%
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.$134,000
NEW DAY FINANCIAL LLC · recorded Jun 20, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$548 (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.$4,550 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,064
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$3,486
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,956
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$149,700

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
48
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
CountyYork
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.1995
Lot (acres)The size of the land the home sits on, from county records.1.00
HeatingThe type of heating system in the home.None
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 · 248 ft²Patio · 248 ft²Porch · 10 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.

E
Northside Elementary School of the ArtsB
Elementary · Grades PK–5 · 0.7 mi
M
Castle Heights Middle SchoolC
Middle · Grades 6–8 · 2.3 mi
H
Northwestern High SchoolB
High · Grades 9–12 · 4.8 mi

District: York School District 3

Neighborhood · ZIP 29730These 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.130
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.64,639
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.525 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,373
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,333
Average tempThe average temperature here across a full year.61°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.61%

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

440 Cummings St 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 84% of homes in York County
  • Costs less per square foot than 81% of homes in York County
  • Smaller than 81% of homes in York County
  • Has a bigger lot than 81% of homes in Rock Hill 29730
  • Older than 94% of homes in York County

What homes are worth in Rock Hill 29730

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

This home
$77K$739K

This home is worth more than 31% of homes in Rock Hill 29730.

How it measures up in Rock Hill 29730

The dot is this home. The mark in the middle is the typical home in Rock Hill 29730.

Estimated value$184,544
CheaperTypical $260,000Pricier

Pricier than 31% of homes nearby

Price per ft²$153
CheaperTypical $171Pricier

Pricier than 35% of homes nearby

Living area1,206 ft²
SmallerTypical 1,461 ft²Bigger

Bigger than 32% of homes nearby

Lot size1 ac
SmallerTypical 1 acBigger

Bigger than 81% of homes nearby

Year built1950
OlderTypical 1982Newer

Newer than 21% of homes nearby

How 440 Cummings St ranks against every home in each area.
MeasureThis homeRock Hill 29730York County
Estimated valuepricier than$184,54431% of homes16% of homes
Price per ft²pricier than$15335% of homes19% of homes
Living areabigger than1,206 ft²32% of homes19% of homes
Lot sizebigger than1 ac81% of homes81% of homes
Year builtnewer than195021% of homes6% of homes

About 440 Cummings St

How much is 440 Cummings St, Rock Hill, SC worth?

The TopHap Estimate for 440 Cummings St, Rock Hill, SC is $184,544 as of Jul 14, 2026. The likely range is $132,044 to $237,044. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 Cummings St, Rock Hill, SC last sell?

440 Cummings St, Rock Hill, SC last sold on Sep 22, 2009 for $95,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 440 Cummings St, Rock Hill, SC?

440 Cummings St, Rock Hill, SC has 1 bathrooms, 1,206 square feet of living space and a 1.00-acre lot.

When was 440 Cummings St, Rock Hill, SC built?

440 Cummings St, Rock Hill, SC was built in 1950, making it 76 years old. The building has 1 story.

What schools serve 440 Cummings St, Rock Hill, SC?

440 Cummings St, Rock Hill, SC is assigned to Northside Elementary School of the Arts (elementary), rated B; Castle Heights Middle School (middle), rated C; Northwestern High School (high), rated B. All sit in York School District 3. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 440 Cummings St, Rock Hill, SC compare to other homes in Rock Hill 29730?

Among the 19,086 homes in Rock Hill 29730, it is worth more than 31% of them ($184,544 against a typical $260,000), its price per square foot is higher than 35% of them ($153 against a typical $171), it is bigger than 32% of them (1,206 ft² against a typical 1,461 ft²), its lot is bigger than 81% of them (1 ac against a typical 1 ac) and it is newer than 21% of them (1950 against a typical 1982). Measured against all of York County, it is worth more than 16% 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 440 Cummings St, Rock Hill, SC?

The 2025 property tax bill for 440 Cummings St, Rock Hill, SC was $548. The county assessed it at $4,550.

Closest homes

More homes in Rock Hill 29730

Assigned schools

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