Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$522,659$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 94How 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 $460,000 on Jan 10, 2023

9654 LOWER ROCKY RIVER RD

CONCORD, NC 28025
4
Beds
2
Baths
2,256 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.
6.7 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$523K
$490K low$556K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$460,000 · Jan 10, 2023
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.$372,659
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$298,127
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.29%
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.$150,000
LATINO COMMUNITY CU · 5.5% 1 · recorded Jan 10, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,311 (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.$456,080 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$196,480
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$259,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$456,080
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$456,080

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.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
77
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
CountyCabarrus
Lot (acres)The size of the land the home sits on, from county records.6.70
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.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.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Pool, Plastic/Vinyl Lined
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 250 ft²Shed · 80 ft²Patio · 251 ft²Porch · 600 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.

M
C. C. Griffin STEM Middle SchoolC+
Middle · Grades 6–8 · 1.8 mi
E
Patriots STEM Elementary SchoolB-
Elementary · Grades KG–5 · 1.9 mi
H
Hickory Ridge High SchoolB-
High · Grades 9–12 · 2.9 mi

District: Cabarrus County Schools

Neighborhood · ZIP 28025These 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.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
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.64,954
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.605 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,119
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,044
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

9654 Lower 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 more than 84% of homes in Concord 28025
  • Costs more per square foot than 78% of homes in Concord 28025
  • Bigger than 73% of homes in Concord 28025
  • Has a bigger lot than 96% of homes in Cabarrus County
  • Older than 67% of homes in Cabarrus County

What homes are worth in Concord 28025

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

This home
$111K$809K

This home is worth more than 84% of homes in Concord 28025.

How it measures up in Concord 28025

The dot is this home. The mark in the middle is the typical home in Concord 28025.

Estimated value$522,659
CheaperTypical $325,999Pricier

Pricier than 84% of homes nearby

Price per ft²$232
CheaperTypical $191Pricier

Pricier than 78% of homes nearby

Living area2,256 ft²
SmallerTypical 1,689 ft²Bigger

Bigger than 73% of homes nearby

Lot size6.7 ac
SmallerTypical 0.35 acBigger

Bigger than 95% of homes nearby

Year built1984
OlderTypical 1991Newer

Newer than 43% of homes nearby

How 9654 Lower Rocky River Rd ranks against every home in each area.
MeasureThis homeConcord 28025Cabarrus County
Estimated valuepricier than$522,65984% of homes74% of homes
Price per ft²pricier than$23278% of homes75% of homes
Living areabigger than2,256 ft²73% of homes65% of homes
Lot sizebigger than6.7 ac95% of homes96% of homes
Year builtnewer than198443% of homes33% of homes

About 9654 Lower Rocky River Rd

How much is 9654 Lower Rocky River Rd, Concord, NC worth?

The TopHap Estimate for 9654 Lower Rocky River Rd, Concord, NC is $522,659 as of Jul 14, 2026. The likely range is $489,641 to $555,677. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 9654 Lower Rocky River Rd, Concord, NC last sell?

9654 Lower Rocky River Rd, Concord, NC last sold on Jan 10, 2023 for $460,000, according to the county's recorded deed.

How big is 9654 Lower Rocky River Rd, Concord, NC?

9654 Lower Rocky River Rd, Concord, NC has 4 bedrooms, 2 bathrooms, 2,256 square feet of living space and a 6.70-acre lot.

When was 9654 Lower Rocky River Rd, Concord, NC built?

9654 Lower Rocky River Rd, Concord, NC was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 9654 Lower Rocky River Rd, Concord, NC?

9654 Lower Rocky River Rd, Concord, NC is assigned to C. C. Griffin STEM Middle School (middle), rated C+; Patriots STEM Elementary School (elementary), rated B-; Hickory Ridge High School (high), rated B-. All sit in Cabarrus County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 9654 Lower Rocky River Rd, Concord, NC compare to other homes in Concord 28025?

Among the 20,802 homes in Concord 28025, it is worth more than 84% of them ($522,659 against a typical $325,999), its price per square foot is higher than 78% of them ($232 against a typical $191), it is bigger than 73% of them (2,256 ft² against a typical 1,689 ft²), its lot is bigger than 95% of them (6.7 ac against a typical 0.35 ac) and it is newer than 43% of them (1984 against a typical 1991). Measured against all of Cabarrus County, it is worth more than 74% 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 9654 Lower Rocky River Rd, Concord, NC?

The 2025 property tax bill for 9654 Lower Rocky River Rd, Concord, NC was $3,311. The county assessed it at $456,080.

More homes on Lower Rocky River Rd

Closest homes

More homes in Concord 28025

Assigned schools

Explore the area

See this home in context

Open 9654 Lower Rocky River Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map