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Single Family ResidenceResidential
$387,730$240 / 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 89How 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 $413,000 on Sep 5, 2023

490 JOE ROSS ST

LINCOLNTON, NC 28092
3
Beds
2 / 1
Baths
1,614 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.
1.94 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$388K
$344K low$431K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$413,000 · Sep 5, 2023
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.103%
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.$413,000
SKYLA FCU · recorded Sep 5, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,714 (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.$256,375 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,670
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$220,705
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$256,375
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$256,375

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.51
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
86
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.Ranch
CountyLincoln
Lot (acres)The size of the land the home sits on, from county records.1.95
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Love Memorial Elementary SchoolD
Elementary · Grades PK–5 · 0.6 mi
M
West Lincoln Middle SchoolC-
Middle · Grades 6–8 · 6.5 mi
H
West Lincoln High SchoolC+
High · Grades 9–12 · 6.7 mi

District: Lincoln County Schools

Neighborhood · ZIP 28092These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.74

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.9%
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.43,813
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.367 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,157
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,382
Average tempThe average temperature here across a full year.59°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.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

490 Joe Ross 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 more than 76% of homes in Lincolnton 28092
  • Costs more per square foot than 81% of homes in Lincolnton 28092
  • Has a bigger lot than 81% of homes in Lincolnton 28092
  • Older than 88% of homes in Lincoln County

What homes are worth in Lincolnton 28092

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

This home
$72K$819K

This home is worth more than 76% of homes in Lincolnton 28092.

How it measures up in Lincolnton 28092

The dot is this home. The mark in the middle is the typical home in Lincolnton 28092.

Estimated value$387,730
CheaperTypical $283,808Pricier

Pricier than 76% of homes nearby

Price per ft²$240
CheaperTypical $184Pricier

Pricier than 81% of homes nearby

Living area1,614 ft²
SmallerTypical 1,454 ft²Bigger

Bigger than 61% of homes nearby

Lot size1.94 ac
SmallerTypical 0.76 acBigger

Bigger than 81% of homes nearby

Year built1957
OlderTypical 1984Newer

Newer than 21% of homes nearby

How 490 Joe Ross St ranks against every home in each area.
MeasureThis homeLincolnton 28092Lincoln County
Estimated valuepricier than$387,73076% of homes47% of homes
Price per ft²pricier than$24081% of homes62% of homes
Living areabigger than1,614 ft²61% of homes47% of homes
Lot sizebigger than1.94 ac81% of homes81% of homes
Year builtnewer than195721% of homes12% of homes

About 490 Joe Ross St

How much is 490 Joe Ross St, Lincolnton, NC worth?

The TopHap Estimate for 490 Joe Ross St, Lincolnton, NC is $387,730 as of Jul 14, 2026. The likely range is $344,010 to $431,450. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 490 Joe Ross St, Lincolnton, NC last sell?

490 Joe Ross St, Lincolnton, NC last sold on Sep 5, 2023 for $413,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 490 Joe Ross St, Lincolnton, NC?

490 Joe Ross St, Lincolnton, NC has 3 bedrooms, 2 bathrooms, 1,614 square feet of living space and a 1.95-acre lot.

When was 490 Joe Ross St, Lincolnton, NC built?

490 Joe Ross St, Lincolnton, NC was built in 1957, making it 69 years old. It is a ranch home. The building has 1 story.

What schools serve 490 Joe Ross St, Lincolnton, NC?

490 Joe Ross St, Lincolnton, NC is assigned to Love Memorial Elementary School (elementary), rated D; West Lincoln Middle School (middle), rated C-; West Lincoln High School (high), rated C+. All sit in Lincoln County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 490 Joe Ross St, Lincolnton, NC compare to other homes in Lincolnton 28092?

Among the 16,214 homes in Lincolnton 28092, it is worth more than 76% of them ($387,730 against a typical $283,808), its price per square foot is higher than 81% of them ($240 against a typical $184), it is bigger than 61% of them (1,614 ft² against a typical 1,454 ft²), its lot is bigger than 81% of them (1.94 ac against a typical 0.76 ac) and it is newer than 21% of them (1957 against a typical 1984). Measured against all of Lincoln County, it is worth more than 47% 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 490 Joe Ross St, Lincolnton, NC?

The 2025 property tax bill for 490 Joe Ross St, Lincolnton, NC was $1,714. The county assessed it at $256,375.

Closest homes

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Assigned schools

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