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Single Family ResidenceResidential
$246,533$137 / 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 73How 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

4102 N ROCKY RIVER RD

MONROE, NC 28110
3
Beds
2
Baths
1,796 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.
2.97 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$247K
$179K low$314K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.124%
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.$150,081
CAVALIER MORTGAGE GROUP INC · recorded Aug 20, 2013
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.$154,062
ADVANTAGE LENDING

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,978 (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.$340,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$97,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$243,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$340,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$340,600

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.68
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
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.
82
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.128 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.Split Level
CountyUnion
Lot (acres)The size of the land the home sits on, from county records.2.97
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 168 ft²

Transaction History(1)

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
Porter Ridge High SchoolA-
High · Grades 9–12 · 1.8 mi
M
Porter Ridge Middle SchoolA
Middle · Grades 6–8 · 1.8 mi
E
Porter Ridge Elementary SchoolC-
Elementary · Grades KG–5 · 1.9 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

4102 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 90% of homes in Union County
  • Costs less per square foot than 95% of homes in Union County
  • Has a bigger lot than 89% of homes in Monroe 28110
  • Older than 83% 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
$121K$886K

This home is worth more than 14% 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$246,533
CheaperTypical $380,000Pricier

Pricier than 14% of homes nearby

Price per ft²$137
CheaperTypical $215Pricier

Pricier than 7% of homes nearby

Living area1,796 ft²
SmallerTypical 1,711 ft²Bigger

Bigger than 55% of homes nearby

Lot size2.97 ac
SmallerTypical 0.48 acBigger

Bigger than 89% of homes nearby

Year built1977
OlderTypical 1999Newer

Newer than 20% of homes nearby

How 4102 N Rocky River Rd ranks against every home in each area.
MeasureThis homeMonroe 28110Union County
Estimated valuepricier than$246,53314% of homes10% of homes
Price per ft²pricier than$1377% of homes5% of homes
Living areabigger than1,796 ft²55% of homes40% of homes
Lot sizebigger than2.97 ac89% of homes88% of homes
Year builtnewer than197720% of homes17% of homes

About 4102 N Rocky River Rd

How much is 4102 N Rocky River Rd, Monroe, NC worth?

The TopHap Estimate for 4102 N Rocky River Rd, Monroe, NC is $246,533 as of Jul 14, 2026. The likely range is $179,449 to $313,617. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4102 N Rocky River Rd, Monroe, NC last sell?

4102 N Rocky River Rd, Monroe, NC last sold on Nov 13, 2002, according to the county's recorded deed.

How big is 4102 N Rocky River Rd, Monroe, NC?

4102 N Rocky River Rd, Monroe, NC has 3 bedrooms, 2 bathrooms, 1,796 square feet of living space and a 2.97-acre lot.

When was 4102 N Rocky River Rd, Monroe, NC built?

4102 N Rocky River Rd, Monroe, NC was built in 1977, making it 49 years old. It is a split level home. The building has 2 stories.

What schools serve 4102 N Rocky River Rd, Monroe, NC?

4102 N Rocky River Rd, Monroe, NC is assigned to Porter Ridge High School (high), rated A-; Porter Ridge Middle School (middle), rated A; Porter Ridge Elementary School (elementary), rated C-. All sit in Union County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4102 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 14% of them ($246,533 against a typical $380,000), its price per square foot is higher than 7% of them ($137 against a typical $215), it is bigger than 55% of them (1,796 ft² against a typical 1,711 ft²), its lot is bigger than 89% of them (2.97 ac against a typical 0.48 ac) and it is newer than 20% of them (1977 against a typical 1999). Measured against all of Union County, it is worth more than 10% 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 4102 N Rocky River Rd, Monroe, NC?

The 2025 property tax bill for 4102 N Rocky River Rd, Monroe, NC was $2,978. The county assessed it at $340,600.

More homes on N Rocky River Rd

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More homes in Monroe 28110

Assigned schools

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