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Single Family ResidenceResidential
$459,684$217 / 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 85How 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 $120,000 on Feb 24, 2023

4232 UPPER RIVER RD

GRAY, GA 31032
3 / 1
Baths
2,123 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.
32.34 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$460K
$393K low$527K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,000 · Feb 24, 2023
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.139%
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.$315,000
MORRIS BANK · recorded Jun 10, 2025
2nd 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.$327,000
MORRIS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,243 (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.$98,884 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,571
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$47,313
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$54,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,210

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.24 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.32.34
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 3.7 mi
M
Clifton Ridge Middle SchoolB-
Middle · Grades 6–8 · 7.6 mi
H
Jones County High SchoolB-
High · Grades 9–12 · 7.8 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.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

4232 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 94% of homes in Jones County
  • Costs more per square foot than 97% of homes in Jones County
  • Bigger than 71% of homes in Jones County
  • Has a bigger lot than 96% of homes in Gray 31032
  • Among the newest 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
$60K$614K

This home is worth more than 92% 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$459,684
CheaperTypical $269,857Pricier

Pricier than 92% of homes nearby

Price per ft²$217
CheaperTypical $144Pricier

Pricier than 96% of homes nearby

Living area2,123 ft²
SmallerTypical 1,836 ft²Bigger

Bigger than 66% of homes nearby

Lot size32.34 ac
SmallerTypical 1.88 acBigger

Bigger than 96% of homes nearby

Year built2024
OlderTypical 1995Newer

Newer than almost all homes nearby

How 4232 Upper River Rd ranks against every home in each area.
MeasureThis homeGray 31032Jones County
Estimated valuepricier than$459,68492% of homes94% of homes
Price per ft²pricier than$21796% of homes97% of homes
Living areabigger than2,123 ft²66% of homes71% of homes
Lot sizebigger than32.34 ac96% of homes96% of homes
Year builtnewer than2024almost all homesalmost all homes

About 4232 Upper River Rd

How much is 4232 Upper River Rd, Gray, GA worth?

The TopHap Estimate for 4232 Upper River Rd, Gray, GA is $459,684 as of Jul 14, 2026. The likely range is $392,616 to $526,752. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4232 Upper River Rd, Gray, GA last sell?

4232 Upper River Rd, Gray, GA last sold on Feb 24, 2023 for $120,000, according to the county's recorded deed.

How big is 4232 Upper River Rd, Gray, GA?

4232 Upper River Rd, Gray, GA has 3 bathrooms, 2,123 square feet of living space and a 32.34-acre lot.

When was 4232 Upper River Rd, Gray, GA built?

4232 Upper River Rd, Gray, GA was built in 2024, making it 2 years old. The building has 1 story.

What schools serve 4232 Upper River Rd, Gray, GA?

4232 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 4232 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 92% of them ($459,684 against a typical $269,857), its price per square foot is higher than 96% of them ($217 against a typical $144), it is bigger than 66% of them (2,123 ft² against a typical 1,836 ft²), its lot is bigger than 96% of them (32.34 ac against a typical 1.88 ac) and it is newer than almost all of them (2024 against a typical 1995). Measured against all of Jones County, it is worth more than 94% 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 4232 Upper River Rd, Gray, GA?

The 2025 property tax bill for 4232 Upper River Rd, Gray, GA was $3,243. The county assessed it at $98,884.

Closest homes

More homes in Gray 31032

Assigned schools

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