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Rural ResidenceResidential
$228,233$232 / 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 85How 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

3118 N ROCKY RIVER RD

MONROE, NC 28110
3
Beds
1
Baths
984 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$228K
$195K low$261K 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.$111,233
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$88,986
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.52%
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.$117,000
UNION COUNTY BOARD/EDUCATION · E · recorded Apr 30, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,601 (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.$183,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$148,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$183,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$183,100

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.7 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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyUnion
Lot (acres)The size of the land the home sits on, from county records.0.50
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
FireplaceWhether the home has a fireplace, and what kind.Masonry
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)

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

E
Porter Ridge Elementary SchoolC-
Elementary · Grades KG–5 · 3.2 mi
M
Piedmont Middle SchoolA
Middle · Grades 6–8 · 6.5 mi
H
Piedmont High SchoolA-
High · Grades 9–12 · 6.7 mi

District: Union County Public Schools

Neighborhood · ZIP 28110These 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.100
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 100.80

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.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
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.59,112
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.453 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,286
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,215
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.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

3118 N Rocky River 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 92% of homes in Union County
  • Smaller than 97% of homes in Union County
  • Older than 89% of homes in Union County

What homes are worth in Monroe 28110

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

This home
$130K$876K

This home is worth more than 11% of homes in Monroe 28110.

How it measures up in Monroe 28110

The dot is this home. The mark in the middle is the typical home in Monroe 28110.

Estimated value$228,233
CheaperTypical $380,609Pricier

Pricier than 11% of homes nearby

Price per ft²$232
CheaperTypical $215Pricier

Pricier than 61% of homes nearby

Living area984 ft²
SmallerTypical 1,708 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.5 ac
SmallerTypical 0.48 acBigger

Bigger than 52% of homes nearby

Year built1968
OlderTypical 1999Newer

Newer than 15% of homes nearby

How 3118 N Rocky River Rd ranks against every home in each area.
MeasureThis homeMonroe 28110Union County
Estimated valuepricier than$228,23311% of homes8% of homes
Price per ft²pricier than$23261% of homes54% of homes
Living areabigger than984 ft²4% of homes3% of homes
Lot sizebigger than0.5 ac52% of homes53% of homes
Year builtnewer than196815% of homes11% of homes

About 3118 N Rocky River Rd

How much is 3118 N Rocky River Rd, Monroe, NC worth?

The TopHap Estimate for 3118 N Rocky River Rd, Monroe, NC is $228,233 as of Jul 14, 2026. The likely range is $195,021 to $261,445. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3118 N Rocky River Rd, Monroe, NC last sell?

3118 N Rocky River Rd, Monroe, NC last sold on Mar 13, 2008, according to the county's recorded deed.

How big is 3118 N Rocky River Rd, Monroe, NC?

3118 N Rocky River Rd, Monroe, NC has 3 bedrooms, 1 bathrooms, 984 square feet of living space and a 0.50-acre lot.

When was 3118 N Rocky River Rd, Monroe, NC built?

3118 N Rocky River Rd, Monroe, NC was built in 1968, making it 58 years old. It is a ranch home. The building has 1 story.

What schools serve 3118 N Rocky River Rd, Monroe, NC?

3118 N Rocky River Rd, Monroe, NC is assigned to Porter Ridge Elementary School (elementary), rated C-; Piedmont Middle School (middle), rated A; Piedmont 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 3118 N Rocky River Rd, Monroe, NC compare to other homes in Monroe 28110?

Among the 20,476 homes in Monroe 28110, it is worth more than 11% of them ($228,233 against a typical $380,609), its price per square foot is higher than 61% of them ($232 against a typical $215), it is bigger than 4% of them (984 ft² against a typical 1,708 ft²), its lot is bigger than 52% of them (0.5 ac against a typical 0.48 ac) and it is newer than 15% of them (1968 against a typical 1999). Measured against all of Union County, it is worth more than 8% 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 3118 N Rocky River Rd, Monroe, NC?

The 2025 property tax bill for 3118 N Rocky River Rd, Monroe, NC was $1,601. The county assessed it at $183,100.

More homes on N Rocky River Rd

Closest homes

More homes in Monroe 28110

Assigned schools

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