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Single Family ResidenceResidential
$85,752$165 / 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 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $80,000 on Jan 14, 2025

103 SPENCE ST

SAINT MARYS, GA 31558
4
Beds
1
Baths
520 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$86K
$69K low$103K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$80,000 · Jan 14, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$829 (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.$25,480 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$16,280
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$25,480
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$63,700

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.40
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
89
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Single Family Residence
CountyCamden
Lot (acres)The size of the land the home sits on, from county records.0.23
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 324 ft²Porch · 266 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
St, Mary's Middle SchoolA
Middle · Grades 6–8 · 0.7 mi
E
St. Mary's Elementary SchoolA
Elementary · Grades PK–5 · 1.7 mi
H
Camden County High SchoolA-
High · Grades 9–12 · 7.0 mi

District: Camden County School District

Neighborhood · ZIP 31558These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.23,543
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.414 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,247
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,473
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

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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

103 Spence St 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.

  • Among the least valuable homes in Saint Marys 31558
  • Costs less per square foot than 72% of homes in Saint Marys 31558
  • Among the smallest homes in Saint Marys 31558
  • Has a smaller lot than 78% of homes in Camden County
  • Older than 84% of homes in Camden County

What homes are worth in Saint Marys 31558

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

This home
$164K$851K

This home is worth less than almost all homes in Saint Marys 31558.

How it measures up in Saint Marys 31558

The dot is this home. The mark in the middle is the typical home in Saint Marys 31558.

Estimated value$85,752
CheaperTypical $305,021Pricier

Cheaper than almost all homes nearby

Price per ft²$165
CheaperTypical $184Pricier

Pricier than 28% of homes nearby

Living area520 ft²
SmallerTypical 1,757 ft²Bigger

Smaller than almost all homes nearby

Lot size0.23 ac
SmallerTypical 0.34 acBigger

Bigger than 26% of homes nearby

Year built1980
OlderTypical 1995Newer

Newer than 18% of homes nearby

How 103 Spence St ranks against every home in each area.
MeasureThis homeSaint Marys 31558Camden County
Estimated valuepricier than$85,752almost no homesalmost no homes
Price per ft²pricier than$16528% of homes38% of homes
Living areabigger than520 ft²almost no homesalmost no homes
Lot sizebigger than0.23 ac26% of homes22% of homes
Year builtnewer than198018% of homes16% of homes

About 103 Spence St

How much is 103 Spence St, Saint Marys, GA worth?

The TopHap Estimate for 103 Spence St, Saint Marys, GA is $85,752 as of Sep 24, 2026. The likely range is $68,548 to $102,956. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 Spence St, Saint Marys, GA last sell?

103 Spence St, Saint Marys, GA last sold on Jan 14, 2025 for $80,000, according to the county's recorded deed.

How big is 103 Spence St, Saint Marys, GA?

103 Spence St, Saint Marys, GA has 4 bedrooms, 1 bathrooms, 520 square feet of living space and a 0.23-acre lot.

When was 103 Spence St, Saint Marys, GA built?

103 Spence St, Saint Marys, GA was built in 1980, making it 46 years old. The building has 1 story.

What schools serve 103 Spence St, Saint Marys, GA?

103 Spence St, Saint Marys, GA is assigned to St, Mary's Middle School (middle), rated A; St. Mary's Elementary School (elementary), rated A; Camden County High School (high), rated A-. All sit in Camden County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 Spence St, Saint Marys, GA compare to other homes in Saint Marys 31558?

Among the 8,125 homes in Saint Marys 31558, it is worth more than almost none of them ($85,752 against a typical $305,021), its price per square foot is higher than 28% of them ($165 against a typical $184), it is bigger than almost none of them (520 ft² against a typical 1,757 ft²), its lot is bigger than 26% of them (0.23 ac against a typical 0.34 ac) and it is newer than 18% of them (1980 against a typical 1995). Measured against all of Camden County, it is worth more than almost no 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 103 Spence St, Saint Marys, GA?

The 2025 property tax bill for 103 Spence St, Saint Marys, GA was $829. The county assessed it at $25,480.

More homes on Spence St

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