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Rural ResidenceResidential
$118,689$122 / 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 90How 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

2781 HIGHWAY 109 S

RUBY, SC 29741
0
Baths
973 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.
6.05 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$119K
$106K low$131K 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.$118,689
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,951

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$268 (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.$3,270 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$3,020
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,850

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 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
CountyChesterfield
Lot (acres)The size of the land the home sits on, from county records.6.05

Transaction History(2)

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 · 3.4 mi
M
Chesterfield-Ruby Middle SchoolD+
Middle · Grades 6–8 · 4.4 mi
H
Chesterfield High SchoolC-
High · Grades 9–12 · 7.3 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

2781 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 67% of homes in Chesterfield County
  • Costs more per square foot than 80% of homes in Ruby 29741
  • Smaller than 76% of homes in Chesterfield County
  • Has a bigger lot than 86% of homes in Chesterfield County
  • Older than 68% of homes in Ruby 29741

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 58% 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$118,689
CheaperTypical $106,501Pricier

Pricier than 58% of homes nearby

Price per ft²$122
CheaperTypical $93Pricier

Pricier than 80% of homes nearby

Living area973 ft²
SmallerTypical 1,232 ft²Bigger

Bigger than 25% of homes nearby

Lot size6.05 ac
SmallerTypical 1.6 acBigger

Bigger than 82% of homes nearby

Year built1981
OlderTypical 1991Newer

Newer than 32% of homes nearby

How 2781 Highway 109 S ranks against every home in each area.
MeasureThis homeRuby 29741Chesterfield County
Estimated valuepricier than$118,68958% of homes33% of homes
Price per ft²pricier than$12280% of homes49% of homes
Living areabigger than973 ft²25% of homes24% of homes
Lot sizebigger than6.05 ac82% of homes86% of homes
Year builtnewer than198132% of homes42% of homes

About 2781 Highway 109 S

How much is 2781 Highway 109 S, Ruby, SC worth?

The TopHap Estimate for 2781 Highway 109 S, Ruby, SC is $118,689 as of Jul 14, 2026. The likely range is $106,411 to $130,967. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2781 Highway 109 S, Ruby, SC last sell?

2781 Highway 109 S, Ruby, SC last sold on Oct 8, 2009, according to the county's recorded deed.

How big is 2781 Highway 109 S, Ruby, SC?

2781 Highway 109 S, Ruby, SC has 973 square feet of living space and a 6.05-acre lot.

When was 2781 Highway 109 S, Ruby, SC built?

2781 Highway 109 S, Ruby, SC was built in 1981, making it 45 years old. The building has 1 story.

What schools serve 2781 Highway 109 S, Ruby, SC?

2781 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 2781 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 58% of them ($118,689 against a typical $106,501), its price per square foot is higher than 80% of them ($122 against a typical $93), it is bigger than 25% of them (973 ft² against a typical 1,232 ft²), its lot is bigger than 82% of them (6.05 ac against a typical 1.6 ac) and it is newer than 32% of them (1981 against a typical 1991). Measured against all of Chesterfield County, it is worth more than 33% 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 2781 Highway 109 S, Ruby, SC?

The 2025 property tax bill for 2781 Highway 109 S, Ruby, SC was $268. The county assessed it at $3,270.

Closest homes

More homes in Ruby 29741

Assigned schools

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