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Single Family ResidenceResidential
$515,145$188 / 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 96How 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 $385,000 on Jun 21, 2021

109 RUBY TRL

GUYTON, GA 31312
2.5
Baths
2,734 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.
0.58 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$515K
$494K low$537K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Jun 21, 2021
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.$116,285
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$93,028
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.76%
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.$398,860
GUILD MORTGAGE · recorded Jun 21, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,725 (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.$177,301 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$147,301
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$181,888
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$443,253

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
94
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
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
CountyEFFINGHAM
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.2016
Lot (acres)The size of the land the home sits on, from county records.0.58
RoofThe main material covering the roof, such as asphalt shingle or tile.Fiberglass
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.Porch · 355 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
Marlow Elementary SchoolA
Elementary · Grades PK–5 · 1.9 mi
M
South Effingham Middle SchoolA
Middle · Grades 6–8 · 2.6 mi
H
South Effingham High SchoolB+
High · Grades 9–12 · 2.7 mi

District: Effingham County School District

Neighborhood · ZIP 31312These 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.82
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.71
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.86

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.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
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.27,540
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.177 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$94,934
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,670
Average tempThe average temperature here across a full year.66°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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

109 Ruby Trl 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 90% of homes in Effingham County
  • Bigger than 85% of homes in Effingham County
  • Newer than 76% of homes in Effingham County

What homes are worth in Guyton 31312

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

This home
$111K$688K

This home is worth more than 89% of homes in Guyton 31312.

How it measures up in Guyton 31312

The dot is this home. The mark in the middle is the typical home in Guyton 31312.

Estimated value$515,145
CheaperTypical $345,957Pricier

Pricier than 89% of homes nearby

Price per ft²$188
CheaperTypical $182Pricier

Pricier than 56% of homes nearby

Living area2,734 ft²
SmallerTypical 1,920 ft²Bigger

Bigger than 82% of homes nearby

Lot size0.58 ac
SmallerTypical 0.6 acBigger

Bigger than 48% of homes nearby

Year built2015
OlderTypical 2006Newer

Newer than 68% of homes nearby

How 109 Ruby Trl ranks against every home in each area.
MeasureThis homeGuyton 31312Effingham County
Estimated valuepricier than$515,14589% of homes90% of homes
Price per ft²pricier than$18856% of homes58% of homes
Living areabigger than2,734 ft²82% of homes85% of homes
Lot sizebigger than0.58 ac48% of homes47% of homes
Year builtnewer than201568% of homes76% of homes

About 109 Ruby Trl

How much is 109 Ruby Trl, Guyton, GA worth?

The TopHap Estimate for 109 Ruby Trl, Guyton, GA is $515,145 as of Jul 14, 2026. The likely range is $493,707 to $536,583. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Ruby Trl, Guyton, GA last sell?

109 Ruby Trl, Guyton, GA last sold on Jun 21, 2021 for $385,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 109 Ruby Trl, Guyton, GA?

109 Ruby Trl, Guyton, GA has 2.5 bathrooms, 2,734 square feet of living space and a 0.58-acre lot.

When was 109 Ruby Trl, Guyton, GA built?

109 Ruby Trl, Guyton, GA was built in 2015, making it 11 years old. The building has 1 story.

What schools serve 109 Ruby Trl, Guyton, GA?

109 Ruby Trl, Guyton, GA is assigned to Marlow Elementary School (elementary), rated A; South Effingham Middle School (middle), rated A; South Effingham High School (high), rated B+. All sit in Effingham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Ruby Trl, Guyton, GA compare to other homes in Guyton 31312?

Among the 10,060 homes in Guyton 31312, it is worth more than 89% of them ($515,145 against a typical $345,957), its price per square foot is higher than 56% of them ($188 against a typical $182), it is bigger than 82% of them (2,734 ft² against a typical 1,920 ft²), its lot is bigger than 48% of them (0.58 ac against a typical 0.6 ac) and it is newer than 68% of them (2015 against a typical 2006). Measured against all of Effingham County, it is worth more than 90% 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 Ruby Trl, Guyton, GA?

The 2025 property tax bill for 109 Ruby Trl, Guyton, GA was $5,725. The county assessed it at $177,301.

Closest homes

More homes in Guyton 31312

Assigned schools

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