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Single Family ResidenceResidential
$290,310$237 / 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 $258,000 on Apr 8, 2022

635 CHARLES ST

ROCKWELL, NC 28138
2
Baths
1,224 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.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$290K
$259K low$321K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$258,000 · Apr 8, 2022
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.$71,200
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$56,960
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.75%
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.$219,110
FAIRWAY INDEPENDENT MORTGAGE CORP · recorded Apr 8, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,231 (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.$214,512 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$188,512
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$214,512

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.7
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
25
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
CountyROWAN
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.2015
Lot (acres)The size of the land the home sits on, from county records.0.27
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
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.Porch · 192 ft²

Transaction History(5)

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
Rockwell Elementary SchoolC
Elementary · Grades PK–5 · 0.6 mi
H
East Rowan High SchoolC
High · Grades 9–12 · 3.2 mi
M
Erwin Middle SchoolD-
Middle · Grades 6–8 · 3.4 mi

District: Rowan-Salisbury Schools

Neighborhood · ZIP 28138These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.62

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.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.11,756
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.269 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,894
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,413
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.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

635 Charles 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.

  • Costs more per square foot than 87% of homes in Rockwell 28138
  • Smaller than 83% of homes in Rockwell 28138
  • Has a smaller lot than 97% of homes in Rockwell 28138
  • Newer than 80% of homes in Rowan County

What homes are worth in Rockwell 28138

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

This home
$39K$859K

This home is worth more than 60% of homes in Rockwell 28138.

How it measures up in Rockwell 28138

The dot is this home. The mark in the middle is the typical home in Rockwell 28138.

Estimated value$290,310
CheaperTypical $256,160Pricier

Pricier than 60% of homes nearby

Price per ft²$237
CheaperTypical $161Pricier

Pricier than 87% of homes nearby

Living area1,224 ft²
SmallerTypical 1,635 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.27 ac
SmallerTypical 1.07 acBigger

Bigger than 3% of homes nearby

Year built2002
OlderTypical 1990Newer

Newer than 78% of homes nearby

How 635 Charles St ranks against every home in each area.
MeasureThis homeRockwell 28138Rowan County
Estimated valuepricier than$290,31060% of homes61% of homes
Price per ft²pricier than$23787% of homes87% of homes
Living areabigger than1,224 ft²17% of homes22% of homes
Lot sizebigger than0.27 ac3% of homes17% of homes
Year builtnewer than200278% of homes80% of homes

About 635 Charles St

How much is 635 Charles St, Rockwell, NC worth?

The TopHap Estimate for 635 Charles St, Rockwell, NC is $290,310 as of Jul 14, 2026. The likely range is $259,488 to $321,132. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 635 Charles St, Rockwell, NC last sell?

635 Charles St, Rockwell, NC last sold on Apr 8, 2022 for $258,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 635 Charles St, Rockwell, NC?

635 Charles St, Rockwell, NC has 2 bathrooms, 1,224 square feet of living space and a 0.27-acre lot.

When was 635 Charles St, Rockwell, NC built?

635 Charles St, Rockwell, NC was built in 2002, making it 24 years old. The building has 1 story.

What schools serve 635 Charles St, Rockwell, NC?

635 Charles St, Rockwell, NC is assigned to Rockwell Elementary School (elementary), rated C; East Rowan High School (high), rated C; Erwin Middle School (middle), rated D-. All sit in Rowan-Salisbury Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 635 Charles St, Rockwell, NC compare to other homes in Rockwell 28138?

Among the 4,205 homes in Rockwell 28138, it is worth more than 60% of them ($290,310 against a typical $256,160), its price per square foot is higher than 87% of them ($237 against a typical $161), it is bigger than 17% of them (1,224 ft² against a typical 1,635 ft²), its lot is bigger than 3% of them (0.27 ac against a typical 1.07 ac) and it is newer than 78% of them (2002 against a typical 1990). Measured against all of Rowan County, it is worth more than 61% 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 635 Charles St, Rockwell, NC?

The 2025 property tax bill for 635 Charles St, Rockwell, NC was $2,231. The county assessed it at $214,512.

More homes on Charles St

Closest homes

More homes in Rockwell 28138

Assigned schools

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