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Single Family ResidenceResidential
$327,581$401 / 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 91How 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

1087 RUBY LAKE DR

HIAWASSEE, GA 30546
1
Baths
816 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.
1.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$328K
$299K low$356K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$992 (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.$105,890 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,760
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$82,130
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$100,539
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$264,726

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.57
54
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
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.42 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyTOWNS
Lot (acres)The size of the land the home sits on, from county records.1.22
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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
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.Deck · 100 ft²Porch · 288 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.

E
Towns County Elementary SchoolB
Elementary · Grades PK–5 · 3.9 mi
H
Towns County High SchoolA-
High · Grades 9–12 · 3.9 mi
M
Towns County Middle SchoolA
Middle · Grades 6–8 · 3.9 mi

District: Towns County School District

Neighborhood · ZIP 30546These 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.119
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.96

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.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
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.8,278
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.61 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,830
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,125
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.65 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Owner Tools

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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

1087 Ruby 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.

  • Costs more per square foot than 95% of homes in Towns County
  • Smaller than 92% of homes in Towns County
  • Has a bigger lot than 67% of homes in Hiawassee 30546
  • Newer than 79% of homes in Hiawassee 30546

What homes are worth in Hiawassee 30546

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

This home
$53K$1.6M

This home is worth more than 41% of homes in Hiawassee 30546.

How it measures up in Hiawassee 30546

The dot is this home. The mark in the middle is the typical home in Hiawassee 30546.

Estimated value$327,581
CheaperTypical $389,447Pricier

Pricier than 41% of homes nearby

Price per ft²$401
CheaperTypical $220Pricier

Pricier than 94% of homes nearby

Living area816 ft²
SmallerTypical 1,796 ft²Bigger

Bigger than 9% of homes nearby

Lot size1.22 ac
SmallerTypical 0.94 acBigger

Bigger than 67% of homes nearby

Year built2005
OlderTypical 1995Newer

Newer than 79% of homes nearby

How 1087 Ruby Lake Dr ranks against every home in each area.
MeasureThis homeHiawassee 30546Towns County
Estimated valuepricier than$327,58141% of homes39% of homes
Price per ft²pricier than$40194% of homes95% of homes
Living areabigger than816 ft²9% of homes8% of homes
Lot sizebigger than1.22 ac67% of homes65% of homes
Year builtnewer than200579% of homes77% of homes

About 1087 Ruby Lake Dr

How much is 1087 Ruby Lake Dr, Hiawassee, GA worth?

The TopHap Estimate for 1087 Ruby Lake Dr, Hiawassee, GA is $327,581 as of Jul 14, 2026. The likely range is $299,194 to $355,968. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1087 Ruby Lake Dr, Hiawassee, GA last sell?

1087 Ruby Lake Dr, Hiawassee, GA last sold on Nov 27, 2023, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 1087 Ruby Lake Dr, Hiawassee, GA?

1087 Ruby Lake Dr, Hiawassee, GA has 1 bathrooms, 816 square feet of living space and a 1.22-acre lot.

When was 1087 Ruby Lake Dr, Hiawassee, GA built?

1087 Ruby Lake Dr, Hiawassee, GA was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 1087 Ruby Lake Dr, Hiawassee, GA?

1087 Ruby Lake Dr, Hiawassee, GA is assigned to Towns County Elementary School (elementary), rated B; Towns County High School (high), rated A-; Towns County Middle School (middle), rated A. All sit in Towns County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1087 Ruby Lake Dr, Hiawassee, GA compare to other homes in Hiawassee 30546?

Among the 6,164 homes in Hiawassee 30546, it is worth more than 41% of them ($327,581 against a typical $389,447), its price per square foot is higher than 94% of them ($401 against a typical $220), it is bigger than 9% of them (816 ft² against a typical 1,796 ft²), its lot is bigger than 67% of them (1.22 ac against a typical 0.94 ac) and it is newer than 79% of them (2005 against a typical 1995). Measured against all of Towns County, it is worth more than 39% 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 1087 Ruby Lake Dr, Hiawassee, GA?

The 2025 property tax bill for 1087 Ruby Lake Dr, Hiawassee, GA was $992. The county assessed it at $105,890.

More homes on Ruby Lake Dr

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