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Single Family ResidenceResidential
$390,693$262 / 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 77How 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

470 CROSS RIDGE DR

RUTHERFORDTON, NC 28139
2
Beds
2
Baths
1,492 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.
3.6 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$391K
$302K low$480K high
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.$290,693
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$232,554
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.27%
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.$100,000
BANK OF AMERICA NA · R · recorded Sep 11, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,836 (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.$345,426 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$277,426
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$250,354
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$345,426

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPolk
Lot (acres)The size of the land the home sits on, from county records.3.60
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.Shingle
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
Polk Central Elementary SchoolC-
Elementary · Grades PK–5 · 5.0 mi
M
Polk County Middle SchoolC-
Middle · Grades 6–8 · 7.5 mi
H
Polk County High SchoolC+
High · Grades 9–12 · 8.5 mi

District: Polk 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%

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

470 Cross Ridge 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 70% of homes in Rutherfordton 28139
  • Costs more per square foot than 82% of homes in Rutherfordton 28139
  • Has a bigger lot than 69% of homes in Rutherfordton 28139
  • Newer than 81% of homes in Rutherfordton 28139

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
$70K$904K

This home is worth more than 70% 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$390,693
CheaperTypical $290,493Pricier

Pricier than 70% of homes nearby

Price per ft²$262
CheaperTypical $180Pricier

Pricier than 82% of homes nearby

Living area1,492 ft²
SmallerTypical 1,539 ft²Bigger

Bigger than 46% of homes nearby

Lot size3.6 ac
SmallerTypical 1.8 acBigger

Bigger than 69% of homes nearby

Year built2003
OlderTypical 1985Newer

Newer than 81% of homes nearby

How 470 Cross Ridge Dr ranks against every home in each area.
MeasureThis homeRutherfordton 28139
Estimated valuepricier than$390,69370% of homes
Price per ft²pricier than$26282% of homes
Living areabigger than1,492 ft²46% of homes
Lot sizebigger than3.6 ac69% of homes
Year builtnewer than200381% of homes

About 470 Cross Ridge Dr

How much is 470 Cross Ridge Dr, Rutherfordton, NC worth?

The TopHap Estimate for 470 Cross Ridge Dr, Rutherfordton, NC is $390,693 as of Jul 14, 2026. The likely range is $301,606 to $479,780. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 470 Cross Ridge Dr, Rutherfordton, NC last sell?

470 Cross Ridge Dr, Rutherfordton, NC last sold on May 14, 2003, according to the county's recorded deed.

How big is 470 Cross Ridge Dr, Rutherfordton, NC?

470 Cross Ridge Dr, Rutherfordton, NC has 2 bedrooms, 2 bathrooms, 1,492 square feet of living space and a 3.60-acre lot.

When was 470 Cross Ridge Dr, Rutherfordton, NC built?

470 Cross Ridge Dr, Rutherfordton, NC was built in 2003, making it 23 years old.

What schools serve 470 Cross Ridge Dr, Rutherfordton, NC?

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

How does 470 Cross Ridge Dr, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,472 homes in Rutherfordton 28139, it is worth more than 70% of them ($390,693 against a typical $290,493), its price per square foot is higher than 82% of them ($262 against a typical $180), it is bigger than 46% of them (1,492 ft² against a typical 1,539 ft²), its lot is bigger than 69% of them (3.6 ac against a typical 1.8 ac) and it is newer than 81% of them (2003 against a typical 1985). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 470 Cross Ridge Dr, Rutherfordton, NC?

The 2025 property tax bill for 470 Cross Ridge Dr, Rutherfordton, NC was $1,836. The county assessed it at $345,426.

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Assigned schools

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