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Residential (General/Single)Residential
$60,814
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 64How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 25, 2026

194 HIGHWAY 109 S

RUBY, SC 29741
0
Baths
2 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$61K
$39K low$83K 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.$60,814
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$48,651

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$280 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$280
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$8,000

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.51
35
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.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.6 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.Residential (General/Single)
CountyChesterfield
Lot (acres)The size of the land the home sits on, from county records.2.00

Transaction History(1)

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
Ruby Elementary SchoolB+
Elementary · Grades PK–5 · 1.1 mi
M
Chesterfield-Ruby Middle SchoolD+
Middle · Grades 6–8 · 3.0 mi
H
Chesterfield High SchoolC-
High · Grades 9–12 · 5.9 mi

District: Chesterfield County School District

Neighborhood · ZIP 29741These 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.114
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.1,556
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,542
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69,254
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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

194 Highway 109 S 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 less than 94% of homes in Chesterfield County
  • Has a bigger lot than 66% of homes in Chesterfield County

What homes are worth in Ruby 29741

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

This home
$34K$350K

This home is worth more than 20% of homes in Ruby 29741.

How it measures up in Ruby 29741

The dot is this home. The mark in the middle is the typical home in Ruby 29741.

Estimated value$60,814
CheaperTypical $106,501Pricier

Pricier than 20% of homes nearby

Lot size2 ac
SmallerTypical 1.6 acBigger

Bigger than 59% of homes nearby

How 194 Highway 109 S ranks against every home in each area.
MeasureThis homeRuby 29741Chesterfield County
Estimated valuepricier than$60,81420% of homes6% of homes
Lot sizebigger than2 ac59% of homes66% of homes

About 194 Highway 109 S

How much is 194 Highway 109 S, Ruby, SC worth?

The TopHap Estimate for 194 Highway 109 S, Ruby, SC is $60,814 as of Jun 25, 2026. The likely range is $38,737 to $82,891. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 194 Highway 109 S, Ruby, SC last sell?

194 Highway 109 S, Ruby, SC last sold on Apr 4, 2014, according to the county's recorded deed.

What schools serve 194 Highway 109 S, Ruby, SC?

194 Highway 109 S, Ruby, SC is assigned to Ruby Elementary School (elementary), rated B+; Chesterfield-Ruby Middle School (middle), rated D+; Chesterfield High School (high), rated C-. All sit in Chesterfield County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 194 Highway 109 S, Ruby, SC compare to other homes in Ruby 29741?

Among the 1,533 homes in Ruby 29741, it is worth more than 20% of them ($60,814 against a typical $106,501) and its lot is bigger than 59% of them (2 ac against a typical 1.6 ac). Measured against all of Chesterfield County, it is worth more than 6% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Ruby 29741

Assigned schools

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See this home in context

Open 194 Highway 109 S on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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