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Rural ResidenceResidential
$396,074$183 / 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 87How 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

4004 S ROCKY RIVER RD

MONROE, NC 28112
3
Beds
2
Baths
2,168 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.
0.96 ac
Lot SizeThe size of the land the home sits on, from county records.
1953
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
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

$396K
$345K low$448K 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.$271,074
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$216,859
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.33%
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
FIFTH THIRD BANK NA · recorded May 21, 2025
2nd 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.$25,000
FIFTH THIRD BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,582 (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.$328,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$76,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$252,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$328,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$328,500

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.51
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
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.
68
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.Conventional
CountyUnion
Lot (acres)The size of the land the home sits on, from county records.0.96
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.Porch · 644 ft²

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

H
Parkwood High SchoolA
High · Grades 9–12 · 0.4 mi
M
Parkwood Middle SchoolC
Middle · Grades 6–8 · 0.5 mi
E
Western Union Elementary SchoolB-
Elementary · Grades KG–5 · 4.0 mi

District: Union County Public Schools

Neighborhood · ZIP 28112These 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.153
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.87

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.14%
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.30,035
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.225 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,825
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,806
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

4004 S 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.

  • Costs less per square foot than 79% of homes in Union County
  • Bigger than 77% of homes in Monroe 28112
  • Has a bigger lot than 69% of homes in Union County
  • Older than 95% of homes in Union County

What homes are worth in Monroe 28112

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

This home
$134K$834K

This home is worth more than 59% of homes in Monroe 28112.

How it measures up in Monroe 28112

The dot is this home. The mark in the middle is the typical home in Monroe 28112.

Estimated value$396,074
CheaperTypical $364,451Pricier

Pricier than 59% of homes nearby

Price per ft²$183
CheaperTypical $205Pricier

Pricier than 35% of homes nearby

Living area2,168 ft²
SmallerTypical 1,628 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.96 ac
SmallerTypical 0.96 acBigger

Bigger than 50% of homes nearby

Year built1953
OlderTypical 1988Newer

Newer than 14% of homes nearby

How 4004 S Rocky River Rd ranks against every home in each area.
MeasureThis homeMonroe 28112Union County
Estimated valuepricier than$396,07459% of homes38% of homes
Price per ft²pricier than$18335% of homes21% of homes
Living areabigger than2,168 ft²77% of homes54% of homes
Lot sizebigger than0.96 ac50% of homes69% of homes
Year builtnewer than195314% of homes5% of homes

About 4004 S Rocky River Rd

How much is 4004 S Rocky River Rd, Monroe, NC worth?

The TopHap Estimate for 4004 S Rocky River Rd, Monroe, NC is $396,074 as of Jul 14, 2026. The likely range is $344,540 to $447,608. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 4004 S Rocky River Rd, Monroe, NC?

4004 S Rocky River Rd, Monroe, NC has 3 bedrooms, 2 bathrooms, 2,168 square feet of living space and a 0.96-acre lot.

When was 4004 S Rocky River Rd, Monroe, NC built?

4004 S Rocky River Rd, Monroe, NC was built in 1953, making it 73 years old. It is a conventional home. The building has 1 story.

What schools serve 4004 S Rocky River Rd, Monroe, NC?

4004 S Rocky River Rd, Monroe, NC is assigned to Parkwood High School (high), rated A; Parkwood Middle School (middle), rated C; Western Union Elementary School (elementary), rated B-. All sit in Union County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4004 S Rocky River Rd, Monroe, NC compare to other homes in Monroe 28112?

Among the 11,421 homes in Monroe 28112, it is worth more than 59% of them ($396,074 against a typical $364,451), its price per square foot is higher than 35% of them ($183 against a typical $205), it is bigger than 77% of them (2,168 ft² against a typical 1,628 ft²), its lot is bigger than 50% of them (0.96 ac against a typical 0.96 ac) and it is newer than 14% of them (1953 against a typical 1988). Measured against all of Union County, it is worth more than 38% 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 4004 S Rocky River Rd, Monroe, NC?

The 2025 property tax bill for 4004 S Rocky River Rd, Monroe, NC was $1,582. The county assessed it at $328,500.

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