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Single Family ResidenceResidential
$536,626$147 / 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

3964 UPPER RIVER RD

GRAY, GA 31032
4
Beds
4 / 1
Baths
3,648 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.
6.38 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$537K
$486K low$588K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.94%
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.$548,390
COLONY BANK · 4.75% 1 · recorded Sep 2, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,773 (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.$271,161 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,336
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$247,825
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$247,739
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$677,903

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.24
66
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
38
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.34 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
CountyJones
Lot (acres)The size of the land the home sits on, from county records.6.38
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 997 ft²

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 · 3.6 mi
M
Clifton Ridge Middle SchoolB-
Middle · Grades 6–8 · 6.5 mi
H
Jones County High SchoolB-
High · Grades 9–12 · 7.5 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

3964 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 97% of homes in Jones County
  • Costs more per square foot than 66% of homes in Jones County
  • Bigger than 98% of homes in Jones County
  • Has a bigger lot than 84% of homes in Jones County
  • Newer than 98% of homes in Gray 31032

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
$59K$606K

This home is worth more than 96% 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$536,626
CheaperTypical $268,857Pricier

Pricier than 96% of homes nearby

Price per ft²$147
CheaperTypical $143Pricier

Pricier than 54% of homes nearby

Living area3,648 ft²
SmallerTypical 1,839 ft²Bigger

Bigger than 97% of homes nearby

Lot size6.38 ac
SmallerTypical 1.86 acBigger

Bigger than 83% of homes nearby

Year built2022
OlderTypical 1995Newer

Newer than 98% of homes nearby

How 3964 Upper River Rd ranks against every home in each area.
MeasureThis homeGray 31032Jones County
Estimated valuepricier than$536,62696% of homes97% of homes
Price per ft²pricier than$14754% of homes66% of homes
Living areabigger than3,648 ft²97% of homes98% of homes
Lot sizebigger than6.38 ac83% of homes84% of homes
Year builtnewer than202298% of homes98% of homes

About 3964 Upper River Rd

How much is 3964 Upper River Rd, Gray, GA worth?

The TopHap Estimate for 3964 Upper River Rd, Gray, GA is $536,626 as of Jul 14, 2026. The likely range is $485,600 to $587,652. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3964 Upper River Rd, Gray, GA?

3964 Upper River Rd, Gray, GA has 4 bedrooms, 4 bathrooms, 3,648 square feet of living space and a 6.38-acre lot.

When was 3964 Upper River Rd, Gray, GA built?

3964 Upper River Rd, Gray, GA was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 3964 Upper River Rd, Gray, GA?

3964 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 3964 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 96% of them ($536,626 against a typical $268,857), its price per square foot is higher than 54% of them ($147 against a typical $143), it is bigger than 97% of them (3,648 ft² against a typical 1,839 ft²), its lot is bigger than 83% of them (6.38 ac against a typical 1.86 ac) and it is newer than 98% of them (2022 against a typical 1995). Measured against all of Jones County, it is worth more than 97% 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 3964 Upper River Rd, Gray, GA?

The 2025 property tax bill for 3964 Upper River Rd, Gray, GA was $8,773. The county assessed it at $271,161.

Closest homes

More homes in Gray 31032

Assigned schools

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