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Rural ResidenceResidential
$409,706$193 / 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 86How 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

5045 RUFF RD

CONCORD, NC 28025
3
Beds
2
Baths
2,118 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.
15.86 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.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$410K
$351K low$469K 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.$359,706
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$287,765
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.13%
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.$50,000
LOCAL GOVERNMENT FCU · recorded Oct 1, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,681 (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.$396,600 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$396,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$601,830

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.143 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyCabarrus
Lot (acres)The size of the land the home sits on, from county records.15.86
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.Composition Shingle
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
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.StableDeck · 160 ft²Shed · 288 ft²Patio · 160 ft²Porch · 190 ft²

Transaction History(1)

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.

M
Mount Pleasant Middle SchoolC+
Middle · Grades 6–8 · 4.4 mi
H
Mount Pleasant High SchoolC+
High · Grades 9–12 · 4.6 mi
E
Mount Pleasant Elementary SchoolB+
Elementary · Grades KG–5 · 5.4 mi

District: Cabarrus County Schools

Neighborhood · ZIP 28025These 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.103
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 100.66

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.64,954
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.605 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,119
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,044
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.Yes

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

5045 Ruff 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 69% of homes in Concord 28025
  • Bigger than 69% of homes in Concord 28025
  • Among the largest lots in Cabarrus County

What homes are worth in Concord 28025

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

This home
$110K$787K

This home is worth more than 69% of homes in Concord 28025.

How it measures up in Concord 28025

The dot is this home. The mark in the middle is the typical home in Concord 28025.

Estimated value$409,706
CheaperTypical $326,608Pricier

Pricier than 69% of homes nearby

Price per ft²$193
CheaperTypical $192Pricier

Pricier than 52% of homes nearby

Living area2,118 ft²
SmallerTypical 1,680 ft²Bigger

Bigger than 69% of homes nearby

Lot size15.86 ac
SmallerTypical 0.35 acBigger

Bigger than 98% of homes nearby

Year built1996
OlderTypical 1991Newer

Newer than 56% of homes nearby

How 5045 Ruff Rd ranks against every home in each area.
MeasureThis homeConcord 28025Cabarrus County
Estimated valuepricier than$409,70669% of homes57% of homes
Price per ft²pricier than$19352% of homes43% of homes
Living areabigger than2,118 ft²69% of homes60% of homes
Lot sizebigger than15.86 ac98% of homesalmost all homes
Year builtnewer than199656% of homes45% of homes

About 5045 Ruff Rd

How much is 5045 Ruff Rd, Concord, NC worth?

The TopHap Estimate for 5045 Ruff Rd, Concord, NC is $409,706 as of Jul 14, 2026. The likely range is $350,890 to $468,522. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 5045 Ruff Rd, Concord, NC?

5045 Ruff Rd, Concord, NC has 3 bedrooms, 2 bathrooms, 2,118 square feet of living space and a 15.86-acre lot.

When was 5045 Ruff Rd, Concord, NC built?

5045 Ruff Rd, Concord, NC was built in 1996, making it 30 years old. The building has 1 story.

What schools serve 5045 Ruff Rd, Concord, NC?

5045 Ruff Rd, Concord, NC is assigned to Mount Pleasant Middle School (middle), rated C+; Mount Pleasant High School (high), rated C+; Mount Pleasant Elementary School (elementary), rated B+. All sit in Cabarrus County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5045 Ruff Rd, Concord, NC compare to other homes in Concord 28025?

Among the 20,804 homes in Concord 28025, it is worth more than 69% of them ($409,706 against a typical $326,608), its price per square foot is higher than 52% of them ($193 against a typical $192), it is bigger than 69% of them (2,118 ft² against a typical 1,680 ft²), its lot is bigger than 98% of them (15.86 ac against a typical 0.35 ac) and it is newer than 56% of them (1996 against a typical 1991). Measured against all of Cabarrus County, it is worth more than 57% 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 5045 Ruff Rd, Concord, NC?

The 2025 property tax bill for 5045 Ruff Rd, Concord, NC was $2,681. The county assessed it at $396,600.

Closest homes

More homes in Concord 28025

Assigned schools

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