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Single Family ResidenceResidential
$237,212$153 / 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

3509 RATCHFORD DR

GASTONIA, NC 28056
3
Beds
2
Baths
1,552 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.
0.74 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$237K
$198K low$276K 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.$137,212
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$109,770
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.44%
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.$100,000
FIRST CITIZENS BANK AND TRUST COMPANY · 6% · recorded Apr 16, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,868 (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.$261,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,450
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$241,150
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$261,600

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.Ranch
CountyGaston
Lot (acres)The size of the land the home sits on, from county records.0.74
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.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
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.

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 · 3.6 mi

District: Gaston County Schools

Neighborhood · ZIP 28056These 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.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
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.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
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.39,962
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.821 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,891
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,808
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

3509 Ratchford 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 less than 84% of homes in Gastonia 28056
  • Costs less per square foot than 82% of homes in Gastonia 28056
  • Has a bigger lot than 77% of homes in Gastonia 28056

What homes are worth in Gastonia 28056

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

This home
$121K$771K

This home is worth more than 16% of homes in Gastonia 28056.

How it measures up in Gastonia 28056

The dot is this home. The mark in the middle is the typical home in Gastonia 28056.

Estimated value$237,212
CheaperTypical $353,500Pricier

Pricier than 16% of homes nearby

Price per ft²$153
CheaperTypical $187Pricier

Pricier than 18% of homes nearby

Living area1,552 ft²
SmallerTypical 1,786 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.74 ac
SmallerTypical 0.4 acBigger

Bigger than 77% of homes nearby

Year built1990
OlderTypical 1989Newer

Newer than 52% of homes nearby

How 3509 Ratchford Dr ranks against every home in each area.
MeasureThis homeGastonia 28056Gaston County
Estimated valuepricier than$237,21216% of homes33% of homes
Price per ft²pricier than$15318% of homes28% of homes
Living areabigger than1,552 ft²36% of homes50% of homes
Lot sizebigger than0.74 ac77% of homes76% of homes
Year builtnewer than199052% of homes58% of homes

About 3509 Ratchford Dr

How much is 3509 Ratchford Dr, Gastonia, NC worth?

The TopHap Estimate for 3509 Ratchford Dr, Gastonia, NC is $237,212 as of Jul 14, 2026. The likely range is $197,948 to $276,476. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3509 Ratchford Dr, Gastonia, NC?

3509 Ratchford Dr, Gastonia, NC has 3 bedrooms, 2 bathrooms, 1,552 square feet of living space and a 0.74-acre lot.

When was 3509 Ratchford Dr, Gastonia, NC built?

3509 Ratchford Dr, Gastonia, NC was built in 1990, making it 36 years old. It is a ranch home. The building has 1 story.

What schools serve 3509 Ratchford Dr, Gastonia, NC?

3509 Ratchford Dr, Gastonia, 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 3509 Ratchford Dr, Gastonia, NC compare to other homes in Gastonia 28056?

Among the 13,480 homes in Gastonia 28056, it is worth more than 16% of them ($237,212 against a typical $353,500), its price per square foot is higher than 18% of them ($153 against a typical $187), it is bigger than 36% of them (1,552 ft² against a typical 1,786 ft²), its lot is bigger than 77% of them (0.74 ac against a typical 0.4 ac) and it is newer than 52% of them (1990 against a typical 1989). Measured against all of Gaston County, it is worth more than 33% 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 3509 Ratchford Dr, Gastonia, NC?

The 2025 property tax bill for 3509 Ratchford Dr, Gastonia, NC was $1,868. The county assessed it at $261,600.

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