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Single Family ResidenceResidential
$309,671$194 / 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 Jun 23, 2026
Last sold for $75,000 on Nov 15, 2007

109 RACHELS CT

SAINT MARYS, GA 31558
3
Beds
2
Baths
1,593 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.
1988
Year BuiltThe year the home was originally built, according to county records.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$310K
$291K low$328K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · Nov 15, 2007
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.$178,297
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$142,638
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.42%
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.$131,374
JPMORGAN CHASE BANK · recorded Oct 9, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,644 (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.$126,740 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$114,240
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$126,740
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,849

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
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
64
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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.48%
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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
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.Composition Shingle
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.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 · 288 ft²Shed · 180 ft²Porch · 171 ft²

Transaction History(3)

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
Crooked River Elementary SchoolA-
Elementary · Grades PK–5 · 2.5 mi
H
Camden County High SchoolA-
High · Grades 9–12 · 4.6 mi
M
St, Mary's Middle SchoolA-
Middle · Grades 6–8 · 5.9 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

109 Rachels Ct 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 70% of homes in Camden County
  • Older than 73% 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
$154K$889K

This home is worth more than 51% of 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$309,671
CheaperTypical $305,684Pricier

Pricier than 51% of homes nearby

Price per ft²$194
CheaperTypical $185Pricier

Pricier than 60% of homes nearby

Living area1,593 ft²
SmallerTypical 1,760 ft²Bigger

Bigger than 40% of homes nearby

Year built1988
OlderTypical 1995Newer

Newer than 32% of homes nearby

How 109 Rachels Ct ranks against every home in each area.
MeasureThis homeSaint Marys 31558Camden County
Estimated valuepricier than$309,67151% of homes56% of homes
Price per ft²pricier than$19460% of homes70% of homes
Living areabigger than1,593 ft²40% of homes40% of homes
Year builtnewer than198832% of homes27% of homes

About 109 Rachels Ct

How much is 109 Rachels Ct, Saint Marys, GA worth?

The TopHap Estimate for 109 Rachels Ct, Saint Marys, GA is $309,671 as of Jun 23, 2026. The likely range is $291,090 to $328,251. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Rachels Ct, Saint Marys, GA last sell?

109 Rachels Ct, Saint Marys, GA last sold on Nov 15, 2007 for $75,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 109 Rachels Ct, Saint Marys, GA?

109 Rachels Ct, Saint Marys, GA has 3 bedrooms, 2 bathrooms and 1,593 square feet of living space.

When was 109 Rachels Ct, Saint Marys, GA built?

109 Rachels Ct, Saint Marys, GA was built in 1988, making it 38 years old.

What schools serve 109 Rachels Ct, Saint Marys, GA?

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

How does 109 Rachels Ct, 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 51% of them ($309,671 against a typical $305,684), its price per square foot is higher than 60% of them ($194 against a typical $185), it is bigger than 40% of them (1,593 ft² against a typical 1,760 ft²) and it is newer than 32% of them (1988 against a typical 1995). Measured against all of Camden County, it is worth more than 56% 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 109 Rachels Ct, Saint Marys, GA?

The 2025 property tax bill for 109 Rachels Ct, Saint Marys, GA was $3,644. The county assessed it at $126,740.

Closest homes

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Assigned schools

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