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Single Family ResidenceResidential
$2,014,156$1,040 / 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 52How 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 $2,000,000 on Jan 9, 2026

728 OSCAR ROCK RD

CLAYTON, GA 30525
3
Beds
3 / 1
Baths
1,937 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.

Valuation

$2M
$1M low$3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,000,000 · Jan 9, 2026
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.$1,864,156
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,491,325
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.7%
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.$150,000
PINNACLE BANK · 5.12% 1 · recorded Jan 9, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,869 (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.$116,478 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$116,478
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$116,478
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$291,195

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.197 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.1 percent flood zone

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
CountyRabun
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1990
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
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.Patio · 528 ft²Porch · 42 ft²

Transaction History(2)

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
Rabun County High SchoolB+
High · Grades 9–12 · 8.3 mi
M
Rabun County Middle SchoolB+
Middle · Grades 7–8 · 8.3 mi
E
Rabun County Primary School
Elementary · Grades PK–2 · 8.8 mi

District: Rabun County School District

Neighborhood · ZIP 30525These 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.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.98

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.70%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
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.1.0%
PopulationHow many people live in this area.8,601
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.43 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,312
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,373
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.70 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

728 Oscar Rock 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 Clayton 30525
  • Costs more per square foot than 98% of homes in Clayton 30525
  • Bigger than 69% of homes in Clayton 30525
  • Has a smaller lot than 73% of homes in Rabun County
  • Older than 77% of homes in Rabun County

What homes are worth in Clayton 30525

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

This home
$85K$3.2M

This home is worth more than 94% of homes in Clayton 30525.

How it measures up in Clayton 30525

The dot is this home. The mark in the middle is the typical home in Clayton 30525.

Estimated value$2,014,156
CheaperTypical $345,798Pricier

Pricier than 94% of homes nearby

Price per ft²$1040
CheaperTypical $210Pricier

Pricier than 98% of homes nearby

Living area1,937 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.69 ac
SmallerTypical 1.18 acBigger

Bigger than 31% of homes nearby

Year built1973
OlderTypical 1991Newer

Newer than 25% of homes nearby

How 728 Oscar Rock Rd ranks against every home in each area.
MeasureThis homeClayton 30525Rabun County
Estimated valuepricier than$2,014,15694% of homes91% of homes
Price per ft²pricier than$104098% of homes96% of homes
Living areabigger than1,937 ft²69% of homes63% of homes
Lot sizebigger than0.69 ac31% of homes27% of homes
Year builtnewer than197325% of homes23% of homes

About 728 Oscar Rock Rd

How much is 728 Oscar Rock Rd, Clayton, GA worth?

The TopHap Estimate for 728 Oscar Rock Rd, Clayton, GA is $2,014,156 as of Jul 14, 2026. The likely range is $1,047,643 to $2,980,669. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 728 Oscar Rock Rd, Clayton, GA last sell?

728 Oscar Rock Rd, Clayton, GA last sold on Jan 9, 2026 for $2,000,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 728 Oscar Rock Rd, Clayton, GA?

728 Oscar Rock Rd, Clayton, GA has 3 bedrooms, 3 bathrooms and 1,937 square feet of living space.

When was 728 Oscar Rock Rd, Clayton, GA built?

728 Oscar Rock Rd, Clayton, GA was built in 1973, making it 53 years old.

What schools serve 728 Oscar Rock Rd, Clayton, GA?

728 Oscar Rock Rd, Clayton, GA is assigned to Rabun County High School (high), rated B+; Rabun County Middle School (middle), rated B+; Rabun County Primary School (elementary). All sit in Rabun County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 728 Oscar Rock Rd, Clayton, GA compare to other homes in Clayton 30525?

Among the 6,197 homes in Clayton 30525, it is worth more than 94% of them ($2,014,156 against a typical $345,798), its price per square foot is higher than 98% of them ($1040 against a typical $210), it is bigger than 69% of them (1,937 ft² against a typical 1,500 ft²), its lot is bigger than 31% of them (0.69 ac against a typical 1.18 ac) and it is newer than 25% of them (1973 against a typical 1991). Measured against all of Rabun 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 728 Oscar Rock Rd, Clayton, GA?

The 2025 property tax bill for 728 Oscar Rock Rd, Clayton, GA was $1,869. The county assessed it at $116,478.

Closest homes

More homes in Clayton 30525

Assigned schools

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