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Rural ResidenceResidential
$415,022$296 / 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 88How 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

644 OLD RIDGE RD

DEMOREST, GA 30535
3
Beds
3 / 1
Baths
1,403 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.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$415K
$365K low$465K 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.$334,022
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$267,218
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.20%
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.$81,000
PNC BANK NA · recorded Dec 7, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,407 (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.$147,878 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$46,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$101,678
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$135,244
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$369,694

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.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
50
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
CountyHabersham
Lot (acres)The size of the land the home sits on, from county records.10.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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 · 240 ft²Patio · 240 ft²Porch · 186 ft²

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

E
Fairview Elementary SchoolB+
Elementary · Grades PK–5 · 1.9 mi
M
North Habersham Middle SchoolA
Middle · Grades 6–8 · 4.6 mi
H
Habersham Success Academy
High · Grades 6–12 · 5.4 mi

District: Habersham County School District

Neighborhood · ZIP 30535These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.8,013
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.272 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,400
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,429
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.63 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

644 Old Ridge 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 79% of homes in Demorest 30535
  • Costs more per square foot than 93% of homes in Demorest 30535
  • Smaller than 65% of homes in Habersham County
  • Has a bigger lot than 92% of homes in Demorest 30535
  • Newer than 74% of homes in Habersham County

What homes are worth in Demorest 30535

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

This home
$88K$850K

This home is worth more than 79% of homes in Demorest 30535.

How it measures up in Demorest 30535

The dot is this home. The mark in the middle is the typical home in Demorest 30535.

Estimated value$415,022
CheaperTypical $302,225Pricier

Pricier than 79% of homes nearby

Price per ft²$296
CheaperTypical $191Pricier

Pricier than 93% of homes nearby

Living area1,403 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 37% of homes nearby

Lot size10 ac
SmallerTypical 1.28 acBigger

Bigger than 92% of homes nearby

Year built2002
OlderTypical 1992Newer

Newer than 72% of homes nearby

How 644 Old Ridge Rd ranks against every home in each area.
MeasureThis homeDemorest 30535Habersham County
Estimated valuepricier than$415,02279% of homes76% of homes
Price per ft²pricier than$29693% of homes91% of homes
Living areabigger than1,403 ft²37% of homes35% of homes
Lot sizebigger than10 ac92% of homes90% of homes
Year builtnewer than200272% of homes74% of homes

About 644 Old Ridge Rd

How much is 644 Old Ridge Rd, Demorest, GA worth?

The TopHap Estimate for 644 Old Ridge Rd, Demorest, GA is $415,022 as of Jul 14, 2026. The likely range is $364,785 to $465,259. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Old Ridge Rd, Demorest, GA last sell?

644 Old Ridge Rd, Demorest, GA last sold on Oct 8, 2001, according to the county's recorded deed.

How big is 644 Old Ridge Rd, Demorest, GA?

644 Old Ridge Rd, Demorest, GA has 3 bedrooms, 3 bathrooms, 1,403 square feet of living space and a 10.00-acre lot.

When was 644 Old Ridge Rd, Demorest, GA built?

644 Old Ridge Rd, Demorest, GA was built in 2002, making it 24 years old. The building has 1 story.

What schools serve 644 Old Ridge Rd, Demorest, GA?

644 Old Ridge Rd, Demorest, GA is assigned to Fairview Elementary School (elementary), rated B+; North Habersham Middle School (middle), rated A; Habersham Success Academy (high). All sit in Habersham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 Old Ridge Rd, Demorest, GA compare to other homes in Demorest 30535?

Among the 2,956 homes in Demorest 30535, it is worth more than 79% of them ($415,022 against a typical $302,225), its price per square foot is higher than 93% of them ($296 against a typical $191), it is bigger than 37% of them (1,403 ft² against a typical 1,560 ft²), its lot is bigger than 92% of them (10 ac against a typical 1.28 ac) and it is newer than 72% of them (2002 against a typical 1992). Measured against all of Habersham County, it is worth more than 76% 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 644 Old Ridge Rd, Demorest, GA?

The 2025 property tax bill for 644 Old Ridge Rd, Demorest, GA was $3,407. The county assessed it at $147,878.

Closest homes

More homes in Demorest 30535

Assigned schools

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