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Single Family ResidenceResidential
$219,648$130 / 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

640 RIDGE ST

ALBEMARLE, NC 28001
3
Beds
2
Baths
1,685 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$220K
$195K low$244K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,916 (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.$260,330 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$237,830
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$175,940
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,330

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.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyStanly
Lot (acres)The size of the land the home sits on, from county records.0.36
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 280 ft²Porch · 84 ft²

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

M
Albemarle Middle SchoolD+
Middle · Grades 6–8 · 0.8 mi
E
East Albemarle Elementary SchoolD-
Elementary · Grades KG–5 · 0.9 mi
H
Albemarle High SchoolD+
High · Grades 9–12 · 1.1 mi

District: Stanly County Schools

Neighborhood · ZIP 28001These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.68

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.90%
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.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.31,375
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.230 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,588
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,453
Average tempThe average temperature here across a full year.61°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%

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

640 Ridge 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 less than 67% of homes in Stanly County
  • Costs less per square foot than 78% of homes in Stanly County
  • Has a smaller lot than 76% of homes in Stanly County

What homes are worth in Albemarle 28001

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

This home
$69K$716K

This home is worth more than 41% of homes in Albemarle 28001.

How it measures up in Albemarle 28001

The dot is this home. The mark in the middle is the typical home in Albemarle 28001.

Estimated value$219,648
CheaperTypical $248,734Pricier

Pricier than 41% of homes nearby

Price per ft²$130
CheaperTypical $161Pricier

Pricier than 28% of homes nearby

Living area1,685 ft²
SmallerTypical 1,494 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.36 ac
SmallerTypical 0.55 acBigger

Bigger than 32% of homes nearby

Year built1974
OlderTypical 1964Newer

Newer than 61% of homes nearby

How 640 Ridge St ranks against every home in each area.
MeasureThis homeAlbemarle 28001Stanly County
Estimated valuepricier than$219,64841% of homes33% of homes
Price per ft²pricier than$13028% of homes22% of homes
Living areabigger than1,685 ft²64% of homes60% of homes
Lot sizebigger than0.36 ac32% of homes24% of homes
Year builtnewer than197461% of homes50% of homes

About 640 Ridge St

How much is 640 Ridge St, Albemarle, NC worth?

The TopHap Estimate for 640 Ridge St, Albemarle, NC is $219,648 as of Jul 14, 2026. The likely range is $195,274 to $244,022. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Ridge St, Albemarle, NC last sell?

640 Ridge St, Albemarle, NC last sold on Apr 26, 2012, according to the county's recorded deed.

How big is 640 Ridge St, Albemarle, NC?

640 Ridge St, Albemarle, NC has 3 bedrooms, 2 bathrooms, 1,685 square feet of living space and a 0.36-acre lot.

When was 640 Ridge St, Albemarle, NC built?

640 Ridge St, Albemarle, NC was built in 1974, making it 52 years old. The building has 1 story.

What schools serve 640 Ridge St, Albemarle, NC?

640 Ridge St, Albemarle, NC is assigned to Albemarle Middle School (middle), rated D+; East Albemarle Elementary School (elementary), rated D-; Albemarle High School (high), rated D+. All sit in Stanly County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Ridge St, Albemarle, NC compare to other homes in Albemarle 28001?

Among the 11,331 homes in Albemarle 28001, it is worth more than 41% of them ($219,648 against a typical $248,734), its price per square foot is higher than 28% of them ($130 against a typical $161), it is bigger than 64% of them (1,685 ft² against a typical 1,494 ft²), its lot is bigger than 32% of them (0.36 ac against a typical 0.55 ac) and it is newer than 61% of them (1974 against a typical 1964). Measured against all of Stanly County, it is worth more than 33% 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 640 Ridge St, Albemarle, NC?

The 2025 property tax bill for 640 Ridge St, Albemarle, NC was $2,916. The county assessed it at $260,330.

More homes on Ridge St

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More homes in Albemarle 28001

Assigned schools

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