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Rural ResidenceResidential
$434,080
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 83How 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 $314,000 on Feb 8, 2019

640 FLAT RUFF CHURCH RD

GRAY COURT, SC 29645
0
Baths
6 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$434K
$362K low$506K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$314,000 · Feb 8, 2019
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.$190,080
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$152,064
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.55%
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.$244,000
FREEDOM MORTGAGE CORP · recorded Feb 8, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,627 (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.$11,420 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$420
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$11,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$333,800

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyLAURENS
Lot (acres)The size of the land the home sits on, from county records.6.00
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ford Elementary SchoolC+
Elementary · Grades PK–5 · 5.2 mi
H
Laurens District 55 High SchoolD+
High · Grades 9–12 · 5.5 mi
M
Sanders Middle SchoolC
Middle · Grades 6–8 · 6.8 mi

District: Laurens School District 55

Neighborhood · ZIP 29645These 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.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
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.1.3%
PopulationHow many people live in this area.11,759
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.109 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,186
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,720
Average tempThe average temperature here across a full year.61°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

640 Flat Ruff Church 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 91% of homes in Laurens County
  • Has a bigger lot than 74% of homes in Laurens County

What homes are worth in Gray Court 29645

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

This home
$59K$733K

This home is worth more than 85% of homes in Gray Court 29645.

How it measures up in Gray Court 29645

The dot is this home. The mark in the middle is the typical home in Gray Court 29645.

Estimated value$434,080
CheaperTypical $252,028Pricier

Pricier than 85% of homes nearby

Lot size6 ac
SmallerTypical 3.24 acBigger

Bigger than 71% of homes nearby

How 640 Flat Ruff Church Rd ranks against every home in each area.
MeasureThis homeGray Court 29645Laurens County
Estimated valuepricier than$434,08085% of homes91% of homes
Lot sizebigger than6 ac71% of homes74% of homes

About 640 Flat Ruff Church Rd

How much is 640 Flat Ruff Church Rd, Gray Court, SC worth?

The TopHap Estimate for 640 Flat Ruff Church Rd, Gray Court, SC is $434,080 as of Jul 14, 2026. The likely range is $361,685 to $506,475. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Flat Ruff Church Rd, Gray Court, SC last sell?

640 Flat Ruff Church Rd, Gray Court, SC last sold on Feb 8, 2019 for $314,000, according to the county's recorded deed.

What schools serve 640 Flat Ruff Church Rd, Gray Court, SC?

640 Flat Ruff Church Rd, Gray Court, SC is assigned to Ford Elementary School (elementary), rated C+; Laurens District 55 High School (high), rated D+; Sanders Middle School (middle), rated C. All sit in Laurens School District 55. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Flat Ruff Church Rd, Gray Court, SC compare to other homes in Gray Court 29645?

Among the 4,729 homes in Gray Court 29645, it is worth more than 85% of them ($434,080 against a typical $252,028) and its lot is bigger than 71% of them (6 ac against a typical 3.24 ac). Measured against all of Laurens County, it is worth more than 91% 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 640 Flat Ruff Church Rd, Gray Court, SC?

The 2025 property tax bill for 640 Flat Ruff Church Rd, Gray Court, SC was $1,627. The county assessed it at $11,420.

Closest homes

More homes in Gray Court 29645

Assigned schools

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