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Single Family ResidenceResidential
$398,021$488 / 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 78How 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 $380,000 on Aug 19, 2024

31 CROSS RIDGE DR

RUTHERFORDTON, NC 28139
2
Beds
2
Baths
816 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 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$398K
$310K low$486K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$380,000 · Aug 19, 2024
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.$180,131
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$144,105
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.55%
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.$217,890
ROCKET MORTGAGE LLC · 6.23% 2 · recorded May 26, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,738 (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.$327,086 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$52,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$275,086
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$170,208
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$327,086

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.37 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
CountyPOLK
Lot (acres)The size of the land the home sits on, from county records.2.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

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
Polk Central Elementary SchoolC-
Elementary · Grades PK–5 · 4.7 mi
M
Polk County Middle SchoolC-
Middle · Grades 6–8 · 7.3 mi
H
Polk County High SchoolC+
High · Grades 9–12 · 8.2 mi

District: Polk County Schools

Neighborhood · ZIP 28139These 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.106
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 100.85

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.87%
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.15%
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.20,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.112 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,393
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.53 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.Absentee owner
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

31 Cross Ridge Dr 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 72% of homes in Rutherfordton 28139
  • Costs more per square foot than 98% of homes in Rutherfordton 28139
  • Smaller than 96% of homes in Rutherfordton 28139
  • Newer than 81% of homes in Rutherfordton 28139

What homes are worth in Rutherfordton 28139

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

This home
$72K$883K

This home is worth more than 72% of homes in Rutherfordton 28139.

How it measures up in Rutherfordton 28139

The dot is this home. The mark in the middle is the typical home in Rutherfordton 28139.

Estimated value$398,021
CheaperTypical $289,759Pricier

Pricier than 72% of homes nearby

Price per ft²$488
CheaperTypical $180Pricier

Pricier than 98% of homes nearby

Living area816 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 4% of homes nearby

Lot size2 ac
SmallerTypical 1.77 acBigger

Bigger than 55% of homes nearby

Year built2003
OlderTypical 1985Newer

Newer than 81% of homes nearby

How 31 Cross Ridge Dr ranks against every home in each area.
MeasureThis homeRutherfordton 28139
Estimated valuepricier than$398,02172% of homes
Price per ft²pricier than$48898% of homes
Living areabigger than816 ft²4% of homes
Lot sizebigger than2 ac55% of homes
Year builtnewer than200381% of homes

About 31 Cross Ridge Dr

How much is 31 Cross Ridge Dr, Rutherfordton, NC worth?

The TopHap Estimate for 31 Cross Ridge Dr, Rutherfordton, NC is $398,021 as of Jul 14, 2026. The likely range is $310,143 to $485,899. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 31 Cross Ridge Dr, Rutherfordton, NC last sell?

31 Cross Ridge Dr, Rutherfordton, NC last sold on Aug 19, 2024 for $380,000, according to the county's recorded deed.

How big is 31 Cross Ridge Dr, Rutherfordton, NC?

31 Cross Ridge Dr, Rutherfordton, NC has 2 bedrooms, 2 bathrooms, 816 square feet of living space and a 2.00-acre lot.

When was 31 Cross Ridge Dr, Rutherfordton, NC built?

31 Cross Ridge Dr, Rutherfordton, NC was built in 2003, making it 23 years old.

What schools serve 31 Cross Ridge Dr, Rutherfordton, NC?

31 Cross Ridge Dr, Rutherfordton, NC is assigned to Polk Central Elementary School (elementary), rated C-; 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 31 Cross Ridge Dr, Rutherfordton, NC compare to other homes in Rutherfordton 28139?

Among the 7,472 homes in Rutherfordton 28139, it is worth more than 72% of them ($398,021 against a typical $289,759), its price per square foot is higher than 98% of them ($488 against a typical $180), it is bigger than 4% of them (816 ft² against a typical 1,540 ft²), its lot is bigger than 55% of them (2 ac against a typical 1.77 ac) and it is newer than 81% of them (2003 against a typical 1985). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 31 Cross Ridge Dr, Rutherfordton, NC?

The 2025 property tax bill for 31 Cross Ridge Dr, Rutherfordton, NC was $1,738. The county assessed it at $327,086.

More homes on Cross Ridge Dr

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Assigned schools

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