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Rural ResidenceResidential
$508,044$126 / 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

490 MIDDLE RIVER RD

AMERICUS, GA 31709
4
Beds
5 / 1
Baths
4,028 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 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$508K
$458K low$558K 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.$124,423
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$99,538
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.68%
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.$285,500
NATION STAR MORTGAGE · recorded Jul 24, 2014
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.$98,121
FLAG BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,247 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$153,240 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$146,640
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$153,240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$383,100

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.8
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
18
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountySumter
Lot (acres)The size of the land the home sits on, from county records.10.00
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.Central
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 1,099 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.

H
Sumter County High SchoolD+
High · Grades 9–12 · 3.6 mi
E
Sumter County Primary School
Elementary · Grades PK–1 · 4.5 mi
M
Sumter County Middle SchoolD+
Middle · Grades 7–8 · 4.6 mi

District: Sumter County School District

Neighborhood · ZIP 31709These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.16,024
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.134 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$43,225
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$61,813
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

490 Middle 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 98% of homes in Americus 31709
  • Costs more per square foot than 85% of homes in Americus 31709
  • Bigger than 98% of homes in Sumter County
  • Has a bigger lot than 94% of homes in Americus 31709
  • Newer than 95% of homes in Americus 31709

What homes are worth in Americus 31709

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

This home
$23K$511K

This home is worth more than 98% of homes in Americus 31709.

How it measures up in Americus 31709

The dot is this home. The mark in the middle is the typical home in Americus 31709.

Estimated value$508,044
CheaperTypical $125,664Pricier

Pricier than 98% of homes nearby

Price per ft²$126
CheaperTypical $84Pricier

Pricier than 85% of homes nearby

Living area4,028 ft²
SmallerTypical 1,557 ft²Bigger

Bigger than 97% of homes nearby

Lot size10 ac
SmallerTypical 0.43 acBigger

Bigger than 94% of homes nearby

Year built2004
OlderTypical 1968Newer

Newer than 95% of homes nearby

How 490 Middle River Rd ranks against every home in each area.
MeasureThis homeAmericus 31709Sumter County
Estimated valuepricier than$508,04498% of homes97% of homes
Price per ft²pricier than$12685% of homes82% of homes
Living areabigger than4,028 ft²97% of homes98% of homes
Lot sizebigger than10 ac94% of homes91% of homes
Year builtnewer than200495% of homes94% of homes

About 490 Middle River Rd

How much is 490 Middle River Rd, Americus, GA worth?

The TopHap Estimate for 490 Middle River Rd, Americus, GA is $508,044 as of Jul 14, 2026. The likely range is $458,473 to $557,615. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 490 Middle River Rd, Americus, GA last sell?

490 Middle River Rd, Americus, GA last sold on Jul 24, 2014, according to the county's recorded deed.

How big is 490 Middle River Rd, Americus, GA?

490 Middle River Rd, Americus, GA has 4 bedrooms, 5 bathrooms, 4,028 square feet of living space and a 10.00-acre lot.

When was 490 Middle River Rd, Americus, GA built?

490 Middle River Rd, Americus, GA was built in 2004, making it 22 years old. The building has 2 stories.

What schools serve 490 Middle River Rd, Americus, GA?

490 Middle River Rd, Americus, GA is assigned to Sumter County High School (high), rated D+; Sumter County Primary School (elementary); Sumter County Middle School (middle), rated D+. All sit in Sumter County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 490 Middle River Rd, Americus, GA compare to other homes in Americus 31709?

Among the 4,723 homes in Americus 31709, it is worth more than 98% of them ($508,044 against a typical $125,664), its price per square foot is higher than 85% of them ($126 against a typical $84), it is bigger than 97% of them (4,028 ft² against a typical 1,557 ft²), its lot is bigger than 94% of them (10 ac against a typical 0.43 ac) and it is newer than 95% of them (2004 against a typical 1968). Measured against all of Sumter 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 490 Middle River Rd, Americus, GA?

The 2024 property tax bill for 490 Middle River Rd, Americus, GA was $5,247. The county assessed it at $153,240.

Closest homes

More homes in Americus 31709

Assigned schools

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