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Rural ResidenceResidential
$475,782$436 / 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 88How 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

1497 PENNY CREEK DR

RUFFIN, SC 29475
3
Beds
2 / 1
Baths
1,091 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.
120.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$476K
$419K low$533K high
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.$375,528
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$300,422
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.22%
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.$100,254
AMERICAN FINANCIAL RESOURCES INC · recorded Feb 13, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$486 (2022)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$80,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$48,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$80,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$221,900

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.58
64
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
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.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
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.30 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.Rural Residence
CountyColleton
Lot (acres)The size of the land the home sits on, from county records.120.10
HeatingThe type of heating system in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 140 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
Forest Hills Elementary SchoolC
Elementary · Grades 1–5 · 5.3 mi
H
Colleton County High SchoolD
High · Grades 9–12 · 6.9 mi
M
Colleton County Middle SchoolD
Middle · Grades 6–8 · 7.6 mi

District: Colleton County School District

Neighborhood · ZIP 29475These 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.146
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.230

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.2,987
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.29 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,994
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,932
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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

1497 Penny Creek 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 92% of homes in Ruffin 29475
  • Costs more per square foot than 98% of homes in Ruffin 29475
  • Smaller than 71% of homes in Ruffin 29475
  • Has a bigger lot than 98% of homes in Ruffin 29475
  • Older than 65% of homes in Ruffin 29475

What homes are worth in Ruffin 29475

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

This home
$47K$680K

This home is worth more than 92% of homes in Ruffin 29475.

How it measures up in Ruffin 29475

The dot is this home. The mark in the middle is the typical home in Ruffin 29475.

Estimated value$475,782
CheaperTypical $180,409Pricier

Pricier than 92% of homes nearby

Price per ft²$436
CheaperTypical $123Pricier

Pricier than 98% of homes nearby

Living area1,091 ft²
SmallerTypical 1,352 ft²Bigger

Bigger than 29% of homes nearby

Lot size120.1 ac
SmallerTypical 2 acBigger

Bigger than 98% of homes nearby

Year built1984
OlderTypical 1992Newer

Newer than 35% of homes nearby

How 1497 Penny Creek Dr ranks against every home in each area.
MeasureThis homeRuffin 29475Colleton County
Estimated valuepricier than$475,78292% of homes79% of homes
Price per ft²pricier than$43698% of homes89% of homes
Living areabigger than1,091 ft²29% of homes29% of homes
Lot sizebigger than120.1 ac98% of homes98% of homes
Year builtnewer than198435% of homes38% of homes

About 1497 Penny Creek Dr

How much is 1497 Penny Creek Dr, Ruffin, SC worth?

The TopHap Estimate for 1497 Penny Creek Dr, Ruffin, SC is $475,782 as of Jul 14, 2026. The likely range is $418,994 to $532,570. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1497 Penny Creek Dr, Ruffin, SC last sell?

1497 Penny Creek Dr, Ruffin, SC last sold on Apr 6, 2022, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 1497 Penny Creek Dr, Ruffin, SC?

1497 Penny Creek Dr, Ruffin, SC has 3 bedrooms, 2 bathrooms, 1,091 square feet of living space and a 120.10-acre lot.

When was 1497 Penny Creek Dr, Ruffin, SC built?

1497 Penny Creek Dr, Ruffin, SC was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 1497 Penny Creek Dr, Ruffin, SC?

1497 Penny Creek Dr, Ruffin, SC is assigned to Forest Hills Elementary School (elementary), rated C; Colleton County High School (high), rated D; Colleton County Middle School (middle), rated D. All sit in Colleton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1497 Penny Creek Dr, Ruffin, SC compare to other homes in Ruffin 29475?

Among the 1,625 homes in Ruffin 29475, it is worth more than 92% of them ($475,782 against a typical $180,409), its price per square foot is higher than 98% of them ($436 against a typical $123), it is bigger than 29% of them (1,091 ft² against a typical 1,352 ft²), its lot is bigger than 98% of them (120.1 ac against a typical 2 ac) and it is newer than 35% of them (1984 against a typical 1992). Measured against all of Colleton County, it is worth more than 79% 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 1497 Penny Creek Dr, Ruffin, SC?

The 2022 property tax bill for 1497 Penny Creek Dr, Ruffin, SC was $486. The county assessed it at $80,700.

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