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Rural ResidenceResidential
$339,116$162 / 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 81How 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

581 DAVIS RIVER RD

OLD FORT, NC 28762
2
Beds
1
Baths
2,090 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.
23.05 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$339K
$275K low$403K 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.$257,116
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$205,693
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.25%
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.$82,000
FIRST CHARTER BANK · R · recorded Jan 9, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,563 (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.$220,820 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,630
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$169,190
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$220,820
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$220,820

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.71
100
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.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
63
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 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
CountyMcDowell
Lot (acres)The size of the land the home sits on, from county records.23.05
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
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.Shed · 1,800 ft²

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

E
Old Fort Elementary SchoolB+
Elementary · Grades PK–5 · 4.5 mi
H
McDowell High SchoolD
High · Grades 9–12 · 5.0 mi
M
West Mcdowell Middle SchoolD+
Middle · Grades 6–8 · 5.0 mi

District: McDowell County Schools

Neighborhood · ZIP 28762These 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.101
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 100.97

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.7,016
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.71 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,666
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,981
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.52 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

581 Davis River 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 73% of homes in McDowell County
  • Costs less per square foot than 65% of homes in Old Fort 28762
  • Bigger than 88% of homes in Old Fort 28762
  • Has a bigger lot than 95% of homes in Old Fort 28762

What homes are worth in Old Fort 28762

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

This home
$35K$974K

This home is worth more than 71% of homes in Old Fort 28762.

How it measures up in Old Fort 28762

The dot is this home. The mark in the middle is the typical home in Old Fort 28762.

Estimated value$339,116
CheaperTypical $243,466Pricier

Pricier than 71% of homes nearby

Price per ft²$162
CheaperTypical $189Pricier

Pricier than 35% of homes nearby

Living area2,090 ft²
SmallerTypical 1,405 ft²Bigger

Bigger than 88% of homes nearby

Lot size23.05 ac
SmallerTypical 1.77 acBigger

Bigger than 95% of homes nearby

Year built1990
OlderTypical 1981Newer

Newer than 59% of homes nearby

How 581 Davis River Rd ranks against every home in each area.
MeasureThis homeOld Fort 28762McDowell County
Estimated valuepricier than$339,11671% of homes73% of homes
Price per ft²pricier than$16235% of homes45% of homes
Living areabigger than2,090 ft²88% of homes86% of homes
Lot sizebigger than23.05 ac95% of homes95% of homes
Year builtnewer than199059% of homes62% of homes

About 581 Davis River Rd

How much is 581 Davis River Rd, Old Fort, NC worth?

The TopHap Estimate for 581 Davis River Rd, Old Fort, NC is $339,116 as of Jul 14, 2026. The likely range is $274,761 to $403,471. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 581 Davis River Rd, Old Fort, NC last sell?

581 Davis River Rd, Old Fort, NC last sold on Jul 1, 1998, according to the county's recorded deed.

How big is 581 Davis River Rd, Old Fort, NC?

581 Davis River Rd, Old Fort, NC has 2 bedrooms, 1 bathrooms, 2,090 square feet of living space and a 23.05-acre lot.

When was 581 Davis River Rd, Old Fort, NC built?

581 Davis River Rd, Old Fort, NC was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 581 Davis River Rd, Old Fort, NC?

581 Davis River Rd, Old Fort, NC is assigned to Old Fort Elementary School (elementary), rated B+; McDowell High School (high), rated D; West Mcdowell Middle School (middle), rated D+. All sit in McDowell County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 581 Davis River Rd, Old Fort, NC compare to other homes in Old Fort 28762?

Among the 3,364 homes in Old Fort 28762, it is worth more than 71% of them ($339,116 against a typical $243,466), its price per square foot is higher than 35% of them ($162 against a typical $189), it is bigger than 88% of them (2,090 ft² against a typical 1,405 ft²), its lot is bigger than 95% of them (23.05 ac against a typical 1.77 ac) and it is newer than 59% of them (1990 against a typical 1981). Measured against all of McDowell County, it is worth more than 73% 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 581 Davis River Rd, Old Fort, NC?

The 2025 property tax bill for 581 Davis River Rd, Old Fort, NC was $1,563. The county assessed it at $220,820.

Closest homes

More homes in Old Fort 28762

Assigned schools

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