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Residential (General/Single)Residential
$38,613
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 60How 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 $38,000 on Mar 10, 2023

109 RIVER RIDGE TRL

MOUNT GILEAD, NC 27306
0
Baths
3,485 ft²
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.

Valuation

$39K
$23K low$54K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$38,000 · Mar 10, 2023
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.$10,613
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$8,490
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.68%
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.$28,000
PATRICK KONOPKA ETUX · recorded Mar 10, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$183 (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.$27,972 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$3,072
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$27,972
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$27,972

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.47
40
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.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.50 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Residential (General/Single)
CountyMONTGOMERY
Lot (acres)The size of the land the home sits on, from county records.0.08
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Mount Gilead Elementary SchoolD-
Elementary · Grades PK–5 · 6.0 mi
M
West Middle SchoolB
Middle · Grades 6–8 · 9.2 mi

District: Montgomery County Schools

Neighborhood · ZIP 27306These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.62%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
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.1.0%
PopulationHow many people live in this area.6,382
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.36 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,561
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,255
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner

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

109 River Ridge Trl 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 97% of homes in Mount Gilead 27306
  • Has a smaller lot than 90% of homes in Montgomery County

What homes are worth in Mount Gilead 27306

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

This home
$32K$1.2M

This home is worth more than 3% of homes in Mount Gilead 27306.

How it measures up in Mount Gilead 27306

The dot is this home. The mark in the middle is the typical home in Mount Gilead 27306.

Estimated value$38,613
CheaperTypical $147,016Pricier

Pricier than 3% of homes nearby

Lot size3,485 ft²
SmallerTypical 0.46 acBigger

Bigger than 20% of homes nearby

Year built1979
OlderTypical 1979Newer

Newer than 55% of homes nearby

How 109 River Ridge Trl ranks against every home in each area.
MeasureThis homeMount Gilead 27306Montgomery County
Estimated valuepricier than$38,6133% of homes5% of homes
Lot sizebigger than3,485 ft²20% of homes10% of homes
Year builtnewer than197955% of homes50% of homes

About 109 River Ridge Trl

How much is 109 River Ridge Trl, Mount Gilead, NC worth?

The TopHap Estimate for 109 River Ridge Trl, Mount Gilead, NC is $38,613 as of Jul 14, 2026. The likely range is $23,359 to $53,867. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 River Ridge Trl, Mount Gilead, NC last sell?

109 River Ridge Trl, Mount Gilead, NC last sold on Mar 10, 2023 for $38,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

When was 109 River Ridge Trl, Mount Gilead, NC built?

109 River Ridge Trl, Mount Gilead, NC was built in 1979, making it 47 years old.

What schools serve 109 River Ridge Trl, Mount Gilead, NC?

109 River Ridge Trl, Mount Gilead, NC is assigned to Mount Gilead Elementary School (elementary), rated D-; West Middle School (middle), rated B. All sit in Montgomery County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 River Ridge Trl, Mount Gilead, NC compare to other homes in Mount Gilead 27306?

Among the 4,844 homes in Mount Gilead 27306, it is worth more than 3% of them ($38,613 against a typical $147,016), its lot is bigger than 20% of them (3,485 ft² against a typical 0.46 ac) and it is newer than 55% of them (1979 against a typical 1979). Measured against all of Montgomery County, it is worth more than 5% 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 109 River Ridge Trl, Mount Gilead, NC?

The 2025 property tax bill for 109 River Ridge Trl, Mount Gilead, NC was $183. The county assessed it at $27,972.

More homes on River Ridge Trl

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Assigned schools

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See this home in context

Open 109 River Ridge Trl on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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