Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$435,764$169 / 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 75How 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 $38,010 on Nov 3, 2016

3907 UPPER RIVER RD

GRAY, GA 31032
4 / 1
Baths
2,585 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.
10.17 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$436K
$329K low$543K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$38,010 · Nov 3, 2016
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.$35,764
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$28,611
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.87%
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.$400,000
FLORIDA CAPITAL BANK MORTGAGE · recorded Nov 8, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,894 (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.$237,392 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$63,346
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$174,046
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$216,494
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$593,479

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.21 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyJones
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.2010
Lot (acres)The size of the land the home sits on, from county records.10.17
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
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 · 586 ft²Porch · 252 ft²

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
Dames Ferry Elementary SchoolB+
Elementary · Grades PK–5 · 3.8 mi
M
Clifton Ridge Middle SchoolB-
Middle · Grades 6–8 · 6.2 mi
H
Jones County High SchoolB-
High · Grades 9–12 · 7.6 mi

District: Jones County School District

Neighborhood · ZIP 31032These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.49

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
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.1.0%
PopulationHow many people live in this area.13,996
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.90 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,400
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,256
Average tempThe average temperature here across a full year.64°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.66%

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

3907 Upper River Rd 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 93% of homes in Jones County
  • Costs more per square foot than 84% of homes in Jones County
  • Bigger than 88% of homes in Jones County
  • Has a bigger lot than 89% of homes in Gray 31032
  • Newer than 90% of homes in Jones County

What homes are worth in Gray 31032

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

This home
$63K$616K

This home is worth more than 90% of homes in Gray 31032.

How it measures up in Gray 31032

The dot is this home. The mark in the middle is the typical home in Gray 31032.

Estimated value$435,764
CheaperTypical $270,354Pricier

Pricier than 90% of homes nearby

Price per ft²$169
CheaperTypical $143Pricier

Pricier than 79% of homes nearby

Living area2,585 ft²
SmallerTypical 1,840 ft²Bigger

Bigger than 86% of homes nearby

Lot size10.17 ac
SmallerTypical 1.91 acBigger

Bigger than 89% of homes nearby

Year built2008
OlderTypical 1995Newer

Newer than 89% of homes nearby

How 3907 Upper River Rd ranks against every home in each area.
MeasureThis homeGray 31032Jones County
Estimated valuepricier than$435,76490% of homes93% of homes
Price per ft²pricier than$16979% of homes84% of homes
Living areabigger than2,585 ft²86% of homes88% of homes
Lot sizebigger than10.17 ac89% of homes89% of homes
Year builtnewer than200889% of homes90% of homes

About 3907 Upper River Rd

How much is 3907 Upper River Rd, Gray, GA worth?

The TopHap Estimate for 3907 Upper River Rd, Gray, GA is $435,764 as of Jul 14, 2026. The likely range is $328,753 to $542,775. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3907 Upper River Rd, Gray, GA last sell?

3907 Upper River Rd, Gray, GA last sold on Nov 3, 2016 for $38,010, according to the county's recorded deed.

How big is 3907 Upper River Rd, Gray, GA?

3907 Upper River Rd, Gray, GA has 4 bathrooms, 2,585 square feet of living space and a 10.17-acre lot.

When was 3907 Upper River Rd, Gray, GA built?

3907 Upper River Rd, Gray, GA was built in 2008, making it 18 years old. It is a split level home. The building has 1 story.

What schools serve 3907 Upper River Rd, Gray, GA?

3907 Upper River Rd, Gray, GA is assigned to Dames Ferry Elementary School (elementary), rated B+; Clifton Ridge Middle School (middle), rated B-; Jones County High School (high), rated B-. All sit in Jones County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3907 Upper River Rd, Gray, GA compare to other homes in Gray 31032?

Among the 5,295 homes in Gray 31032, it is worth more than 90% of them ($435,764 against a typical $270,354), its price per square foot is higher than 79% of them ($169 against a typical $143), it is bigger than 86% of them (2,585 ft² against a typical 1,840 ft²), its lot is bigger than 89% of them (10.17 ac against a typical 1.91 ac) and it is newer than 89% of them (2008 against a typical 1995). Measured against all of Jones County, it is worth more than 93% 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 3907 Upper River Rd, Gray, GA?

The 2025 property tax bill for 3907 Upper River Rd, Gray, GA was $7,894. The county assessed it at $237,392.

Closest homes

More homes in Gray 31032

Assigned schools

Explore the area

See this home in context

Open 3907 Upper River Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map