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Single Family ResidenceResidential
$1,096,929$303 / 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

3016 ROCK RIDGE PASS

MATTHEWS, NC 28104
5
Beds
4
Baths
3,615 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.
2.43 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$971K low$1.2M 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.$1,020,244
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$816,195
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.7%
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.$76,685
JPMORGAN CHASE BANK NA · recorded Mar 14, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,048 (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.$810,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$208,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$601,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$810,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$810,200

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.48 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.Conventional
CountyUnion
Lot (acres)The size of the land the home sits on, from county records.2.43
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
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.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 330 ft²Patio · 330 ft²Porch · 204 ft²

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

E
Antioch Elementary SchoolA+
Elementary · Grades KG–5 · 1.8 mi
M
Weddington Middle SchoolA+
Middle · Grades 6–8 · 2.9 mi
H
Weddington High SchoolA
High · Grades 9–12 · 3.2 mi

District: Union County Public Schools

Neighborhood · ZIP 28104These 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.51
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.75

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.3%
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.37,710
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,296 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$132,106
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$155,375
Average tempThe average temperature here across a full year.60°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.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

3016 Rock Ridge Pass 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 93% of homes in Union County
  • Costs more per square foot than 86% of homes in Union County
  • Bigger than 87% of homes in Union County
  • Has a bigger lot than 95% of homes in Matthews 28104
  • Older than 81% of homes in Matthews 28104

What homes are worth in Matthews 28104

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

This home
$231K$2M

This home is worth more than 85% of homes in Matthews 28104.

How it measures up in Matthews 28104

The dot is this home. The mark in the middle is the typical home in Matthews 28104.

Estimated value$1,096,929
CheaperTypical $621,842Pricier

Pricier than 85% of homes nearby

Price per ft²$303
CheaperTypical $250Pricier

Pricier than 79% of homes nearby

Living area3,615 ft²
SmallerTypical 2,599 ft²Bigger

Bigger than 78% of homes nearby

Lot size2.43 ac
SmallerTypical 0.44 acBigger

Bigger than 95% of homes nearby

Year built1986
OlderTypical 2002Newer

Newer than 19% of homes nearby

How 3016 Rock Ridge Pass ranks against every home in each area.
MeasureThis homeMatthews 28104Union County
Estimated valuepricier than$1,096,92985% of homes93% of homes
Price per ft²pricier than$30379% of homes86% of homes
Living areabigger than3,615 ft²78% of homes87% of homes
Lot sizebigger than2.43 ac95% of homes85% of homes
Year builtnewer than198619% of homes24% of homes

About 3016 Rock Ridge Pass

How much is 3016 Rock Ridge Pass, Matthews, NC worth?

The TopHap Estimate for 3016 Rock Ridge Pass, Matthews, NC is $1,096,929 as of Jul 14, 2026. The likely range is $971,250 to $1,222,608. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3016 Rock Ridge Pass, Matthews, NC?

3016 Rock Ridge Pass, Matthews, NC has 5 bedrooms, 4 bathrooms, 3,615 square feet of living space and a 2.43-acre lot.

When was 3016 Rock Ridge Pass, Matthews, NC built?

3016 Rock Ridge Pass, Matthews, NC was built in 1986, making it 40 years old. It is a conventional home. The building has 2 stories.

What schools serve 3016 Rock Ridge Pass, Matthews, NC?

3016 Rock Ridge Pass, Matthews, NC is assigned to Antioch Elementary School (elementary), rated A+; Weddington Middle School (middle), rated A+; Weddington High School (high), rated A. All sit in Union County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3016 Rock Ridge Pass, Matthews, NC compare to other homes in Matthews 28104?

Among the 13,279 homes in Matthews 28104, it is worth more than 85% of them ($1,096,929 against a typical $621,842), its price per square foot is higher than 79% of them ($303 against a typical $250), it is bigger than 78% of them (3,615 ft² against a typical 2,599 ft²), its lot is bigger than 95% of them (2.43 ac against a typical 0.44 ac) and it is newer than 19% of them (1986 against a typical 2002). Measured against all of Union County, it is worth more than 93% 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 3016 Rock Ridge Pass, Matthews, NC?

The 2025 property tax bill for 3016 Rock Ridge Pass, Matthews, NC was $4,048. The county assessed it at $810,200.

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Assigned schools

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