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Single Family ResidenceResidential
$1,160,539$2,102 / 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 83How 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 $765,000 on Feb 28, 2022

868 HENRY RUFF RD

MILL SPRING, NC 28756
1
Beds
1
Baths
552 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.
16.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
2
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.2M
$969K low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$765,000 · Feb 28, 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.$395,539
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$316,431
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.69%
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.$765,000
FIRST FEDERAL BANK OF KANSAS CITY · recorded Feb 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,596 (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.$914,781 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$180,610
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$734,171
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$626,488
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$914,781

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
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
CountyPOLK
Lot (acres)The size of the land the home sits on, from county records.16.12
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
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.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

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.

E
Sunny View Elementary SchoolB-
Elementary · Grades PK–5 · 2.3 mi
M
Polk County Middle SchoolC-
Middle · Grades 6–8 · 4.9 mi
H
Polk County High SchoolC+
High · Grades 9–12 · 6.6 mi

District: Polk County Schools

Neighborhood · ZIP 28756These 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.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.4,442
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.50 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,482
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,252
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.58 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

868 Henry 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 95% of homes in Polk County
  • Among the highest price per square foot in Mill Spring 28756
  • Among the smallest homes in Mill Spring 28756
  • Has a bigger lot than 90% of homes in Polk County

What homes are worth in Mill Spring 28756

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

This home
$110K$1.8M

This home is worth more than 92% of homes in Mill Spring 28756.

How it measures up in Mill Spring 28756

The dot is this home. The mark in the middle is the typical home in Mill Spring 28756.

Estimated value$1,160,539
CheaperTypical $392,547Pricier

Pricier than 92% of homes nearby

Price per ft²$2102
CheaperTypical $290Pricier

Pricier than almost all homes nearby

Living area552 ft²
SmallerTypical 1,356 ft²Bigger

Smaller than almost all homes nearby

Lot size16.12 ac
SmallerTypical 3.33 acBigger

Bigger than 84% of homes nearby

Year built1985
OlderTypical 1986Newer

Newer than 49% of homes nearby

How 868 Henry Ruff Rd ranks against every home in each area.
MeasureThis homeMill Spring 28756Polk County
Estimated valuepricier than$1,160,53992% of homes95% of homes
Price per ft²pricier than$2102almost all homesalmost all homes
Living areabigger than552 ft²almost no homesalmost no homes
Lot sizebigger than16.12 ac84% of homes90% of homes
Year builtnewer than198549% of homes61% of homes

About 868 Henry Ruff Rd

How much is 868 Henry Ruff Rd, Mill Spring, NC worth?

The TopHap Estimate for 868 Henry Ruff Rd, Mill Spring, NC is $1,160,539 as of Jul 14, 2026. The likely range is $969,030 to $1,352,048. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 868 Henry Ruff Rd, Mill Spring, NC last sell?

868 Henry Ruff Rd, Mill Spring, NC last sold on Feb 28, 2022 for $765,000, according to the county's recorded deed.

How big is 868 Henry Ruff Rd, Mill Spring, NC?

868 Henry Ruff Rd, Mill Spring, NC has 1 bedrooms, 1 bathrooms, 552 square feet of living space and a 16.12-acre lot.

When was 868 Henry Ruff Rd, Mill Spring, NC built?

868 Henry Ruff Rd, Mill Spring, NC was built in 1985, making it 41 years old.

What schools serve 868 Henry Ruff Rd, Mill Spring, NC?

868 Henry Ruff Rd, Mill Spring, NC is assigned to Sunny View Elementary School (elementary), rated B-; Polk County Middle School (middle), rated C-; Polk County High School (high), rated C+. All sit in Polk County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 868 Henry Ruff Rd, Mill Spring, NC compare to other homes in Mill Spring 28756?

Among the 1,244 homes in Mill Spring 28756, it is worth more than 92% of them ($1,160,539 against a typical $392,547), its price per square foot is higher than almost all of them ($2102 against a typical $290), it is bigger than almost none of them (552 ft² against a typical 1,356 ft²), its lot is bigger than 84% of them (16.12 ac against a typical 3.33 ac) and it is newer than 49% of them (1985 against a typical 1986). Measured against all of Polk County, it is worth more than 95% 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 868 Henry Ruff Rd, Mill Spring, NC?

The 2025 property tax bill for 868 Henry Ruff Rd, Mill Spring, NC was $4,596. The county assessed it at $914,781.

Closest homes

More homes in Mill Spring 28756

Assigned schools

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