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Single Family ResidenceResidential
$234,063$161 / 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

RUFUS RATCHFORD RD

MOUNT HOLLY, NC 28120
3
Beds
2
Baths
1,454 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.
1.52 ac
Lot SizeThe size of the land the home sits on, from county records.
2019
Year BuiltThe year the home was originally built, according to county records.

Valuation

$234K
$195K low$273K 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.$43,663
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$34,930
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.86%
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.$190,400
HOMESIDE FINANCIAL LLC · recorded Dec 9, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,019 (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.$282,760 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$255,360
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$282,760

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.22 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
StyleThe architectural style of the home, such as ranch or colonial.Cottage
CountyGaston
Lot (acres)The size of the land the home sits on, from county records.1.52
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

H
Forestview High SchoolC-
High · Grades 9–12 · 2.9 mi
E
W. A. Bess Elementary SchoolC
Elementary · Grades PK–5 · 2.9 mi
M
Cramerton Middle SchoolA+
Middle · Grades 6–8 · 3.5 mi

District: Gaston County Schools

Neighborhood · ZIP 28120These 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.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
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.24,270
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.774 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,044
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,292
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

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

Rufus Ratchford 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 less than 87% of homes in Mount Holly 28120
  • Costs less per square foot than 81% of homes in Mount Holly 28120
  • Smaller than 68% of homes in Mount Holly 28120
  • Has a bigger lot than 91% of homes in Mount Holly 28120
  • Newer than 90% of homes in Gaston County

What homes are worth in Mount Holly 28120

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

This home
$145K$868K

This home is worth more than 13% of homes in Mount Holly 28120.

How it measures up in Mount Holly 28120

The dot is this home. The mark in the middle is the typical home in Mount Holly 28120.

Estimated value$234,063
CheaperTypical $374,454Pricier

Pricier than 13% of homes nearby

Price per ft²$161
CheaperTypical $200Pricier

Pricier than 19% of homes nearby

Living area1,454 ft²
SmallerTypical 1,809 ft²Bigger

Bigger than 32% of homes nearby

Lot size1.52 ac
SmallerTypical 0.37 acBigger

Bigger than 91% of homes nearby

Year built2019
OlderTypical 1999Newer

Newer than 87% of homes nearby

How Rufus Ratchford Rd ranks against every home in each area.
MeasureThis homeMount Holly 28120Gaston County
Estimated valuepricier than$234,06313% of homes32% of homes
Price per ft²pricier than$16119% of homes34% of homes
Living areabigger than1,454 ft²32% of homes44% of homes
Lot sizebigger than1.52 ac91% of homes89% of homes
Year builtnewer than201987% of homes90% of homes

About Rufus Ratchford Rd

How much is Rufus Ratchford Rd, Mount Holly, NC worth?

The TopHap Estimate for Rufus Ratchford Rd, Mount Holly, NC is $234,063 as of Jul 14, 2026. The likely range is $195,320 to $272,806. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did Rufus Ratchford Rd, Mount Holly, NC last sell?

Rufus Ratchford Rd, Mount Holly, NC last sold on Sep 20, 2018, according to the county's recorded deed.

How big is Rufus Ratchford Rd, Mount Holly, NC?

Rufus Ratchford Rd, Mount Holly, NC has 3 bedrooms, 2 bathrooms, 1,454 square feet of living space and a 1.52-acre lot.

When was Rufus Ratchford Rd, Mount Holly, NC built?

Rufus Ratchford Rd, Mount Holly, NC was built in 2019, making it 7 years old. It is a cottage home.

What schools serve Rufus Ratchford Rd, Mount Holly, NC?

Rufus Ratchford Rd, Mount Holly, NC is assigned to Forestview High School (high), rated C-; W. A. Bess Elementary School (elementary), rated C; Cramerton Middle School (middle), rated A+. All sit in Gaston County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does Rufus Ratchford Rd, Mount Holly, NC compare to other homes in Mount Holly 28120?

Among the 9,990 homes in Mount Holly 28120, it is worth more than 13% of them ($234,063 against a typical $374,454), its price per square foot is higher than 19% of them ($161 against a typical $200), it is bigger than 32% of them (1,454 ft² against a typical 1,809 ft²), its lot is bigger than 91% of them (1.52 ac against a typical 0.37 ac) and it is newer than 87% of them (2019 against a typical 1999). Measured against all of Gaston County, it is worth more than 32% 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 Rufus Ratchford Rd, Mount Holly, NC?

The 2025 property tax bill for Rufus Ratchford Rd, Mount Holly, NC was $2,019. The county assessed it at $282,760.

Closest homes

More homes in Mount Holly 28120

Assigned schools

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