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Single Family ResidenceResidential
$463,227$187 / 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 $217,175 on Nov 6, 2015

1040 RATCLIFFE LAKE DR

BRUNSWICK, GA 31523
5
Beds
3
Baths
2,471 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.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
2014
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$463K
$437K low$489K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$217,175 · Nov 6, 2015
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.$230,227
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$184,182
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.51%
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.$206,000
CBC NATIONAL BANK · recorded Jul 17, 2017
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.$27,000
SOUTHEASTERN BK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,596 (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.$183,280 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,720
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$173,560
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$183,280
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$458,200

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyGlynn
Lot (acres)The size of the land the home sits on, from county records.0.54
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 205 ft²

Transaction History(4)

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
Risley Middle SchoolB
Middle · Grades 6–8 · 3.2 mi
E
Satilla Marsh Elementary SchoolA-
Elementary · Grades KG–5 · 3.2 mi
H
Glynn AcademyA+
High · Grades 9–12 · 6.7 mi

District: Glynn County School District

Neighborhood · ZIP 31523These 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.70
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
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.0.9%
PopulationHow many people live in this area.14,871
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.82 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,291
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$111,467
Average tempThe average temperature here across a full year.68°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%

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

1040 Ratcliffe Lake 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 more than 79% of homes in Brunswick 31523
  • Costs more per square foot than 67% of homes in Brunswick 31523
  • Bigger than 80% of homes in Glynn County
  • Has a bigger lot than 73% of homes in Glynn County
  • Newer than 87% of homes in Glynn County

What homes are worth in Brunswick 31523

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

This home
$41K$781K

This home is worth more than 79% of homes in Brunswick 31523.

How it measures up in Brunswick 31523

The dot is this home. The mark in the middle is the typical home in Brunswick 31523.

Estimated value$463,227
CheaperTypical $315,069Pricier

Pricier than 79% of homes nearby

Price per ft²$187
CheaperTypical $172Pricier

Pricier than 67% of homes nearby

Living area2,471 ft²
SmallerTypical 1,873 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.54 ac
SmallerTypical 0.6 acBigger

Bigger than 43% of homes nearby

Year built2014
OlderTypical 2001Newer

Newer than 84% of homes nearby

How 1040 Ratcliffe Lake Dr ranks against every home in each area.
MeasureThis homeBrunswick 31523Glynn County
Estimated valuepricier than$463,22779% of homes64% of homes
Price per ft²pricier than$18767% of homes48% of homes
Living areabigger than2,471 ft²76% of homes80% of homes
Lot sizebigger than0.54 ac43% of homes73% of homes
Year builtnewer than201484% of homes87% of homes

About 1040 Ratcliffe Lake Dr

How much is 1040 Ratcliffe Lake Dr, Brunswick, GA worth?

The TopHap Estimate for 1040 Ratcliffe Lake Dr, Brunswick, GA is $463,227 as of Jul 14, 2026. The likely range is $437,078 to $489,376. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1040 Ratcliffe Lake Dr, Brunswick, GA last sell?

1040 Ratcliffe Lake Dr, Brunswick, GA last sold on Nov 6, 2015 for $217,175, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1040 Ratcliffe Lake Dr, Brunswick, GA?

1040 Ratcliffe Lake Dr, Brunswick, GA has 5 bedrooms, 3 bathrooms, 2,471 square feet of living space and a 0.54-acre lot.

When was 1040 Ratcliffe Lake Dr, Brunswick, GA built?

1040 Ratcliffe Lake Dr, Brunswick, GA was built in 2014, making it 12 years old. It is a colonial home. The building has 2 stories.

What schools serve 1040 Ratcliffe Lake Dr, Brunswick, GA?

1040 Ratcliffe Lake Dr, Brunswick, GA is assigned to Risley Middle School (middle), rated B; Satilla Marsh Elementary School (elementary), rated A-; Glynn Academy (high), rated A+. All sit in Glynn County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Ratcliffe Lake Dr, Brunswick, GA compare to other homes in Brunswick 31523?

Among the 6,190 homes in Brunswick 31523, it is worth more than 79% of them ($463,227 against a typical $315,069), its price per square foot is higher than 67% of them ($187 against a typical $172), it is bigger than 76% of them (2,471 ft² against a typical 1,873 ft²), its lot is bigger than 43% of them (0.54 ac against a typical 0.6 ac) and it is newer than 84% of them (2014 against a typical 2001). Measured against all of Glynn County, it is worth more than 64% 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 1040 Ratcliffe Lake Dr, Brunswick, GA?

The 2025 property tax bill for 1040 Ratcliffe Lake Dr, Brunswick, GA was $4,596. The county assessed it at $183,280.

Closest homes

More homes in Brunswick 31523

Assigned schools

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