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Single Family ResidenceResidential
$613,321$249 / 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
Last sold for $346,900 on Mar 17, 2005

656 RIVER RIDGE RD

CLARKESVILLE, GA 30523
3
Beds
3 / 1
Baths
2,466 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.
3.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$613K
$552K low$675K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$346,900 · Mar 17, 2005
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.$311,821
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$249,457
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.46%
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.$245,500
HOMESTAR FINANCIAL · recorded Apr 8, 2013
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.$56,000
UNITED COMMUNITY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,528 (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.$228,835 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$185,335
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$211,620
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$572,087

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.51%
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
CountyHabersham
Lot (acres)The size of the land the home sits on, from county records.3.53
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.Wood Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
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.Deck · 96 ft²Patio · 384 ft²Porch · 112 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.

E
Fairview Elementary SchoolB+
Elementary · Grades PK–5 · 7.2 mi
M
North Habersham Middle SchoolA
Middle · Grades 6–8 · 8.4 mi
H
Habersham Success Academy
High · Grades 6–12 · 11.3 mi

District: Habersham County School District

Neighborhood · ZIP 30523These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
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.15,078
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,274
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,369
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.67 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.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

656 River 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 92% of homes in Habersham County
  • Costs more per square foot than 81% of homes in Habersham County
  • Bigger than 88% of homes in Habersham County
  • Has a bigger lot than 76% of homes in Habersham County
  • Newer than 66% of homes in Habersham County

What homes are worth in Clarkesville 30523

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

This home
$108K$3M

This home is worth more than 75% of homes in Clarkesville 30523.

How it measures up in Clarkesville 30523

The dot is this home. The mark in the middle is the typical home in Clarkesville 30523.

Estimated value$613,321
CheaperTypical $393,525Pricier

Pricier than 75% of homes nearby

Price per ft²$249
CheaperTypical $232Pricier

Pricier than 58% of homes nearby

Living area2,466 ft²
SmallerTypical 1,707 ft²Bigger

Bigger than 79% of homes nearby

Lot size3.53 ac
SmallerTypical 1.79 acBigger

Bigger than 69% of homes nearby

Year built1999
OlderTypical 1994Newer

Newer than 64% of homes nearby

How 656 River Ridge Rd ranks against every home in each area.
MeasureThis homeClarkesville 30523Habersham County
Estimated valuepricier than$613,32175% of homes92% of homes
Price per ft²pricier than$24958% of homes81% of homes
Living areabigger than2,466 ft²79% of homes88% of homes
Lot sizebigger than3.53 ac69% of homes76% of homes
Year builtnewer than199964% of homes66% of homes

About 656 River Ridge Rd

How much is 656 River Ridge Rd, Clarkesville, GA worth?

The TopHap Estimate for 656 River Ridge Rd, Clarkesville, GA is $613,321 as of Jul 14, 2026. The likely range is $552,007 to $674,635. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 656 River Ridge Rd, Clarkesville, GA last sell?

656 River Ridge Rd, Clarkesville, GA last sold on Mar 17, 2005 for $346,900, according to the county's recorded deed.

How big is 656 River Ridge Rd, Clarkesville, GA?

656 River Ridge Rd, Clarkesville, GA has 3 bedrooms, 3 bathrooms, 2,466 square feet of living space and a 3.53-acre lot.

When was 656 River Ridge Rd, Clarkesville, GA built?

656 River Ridge Rd, Clarkesville, GA was built in 1999, making it 27 years old. The building has 2 stories.

What schools serve 656 River Ridge Rd, Clarkesville, GA?

656 River Ridge Rd, Clarkesville, 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 656 River Ridge Rd, Clarkesville, GA compare to other homes in Clarkesville 30523?

Among the 6,466 homes in Clarkesville 30523, it is worth more than 75% of them ($613,321 against a typical $393,525), its price per square foot is higher than 58% of them ($249 against a typical $232), it is bigger than 79% of them (2,466 ft² against a typical 1,707 ft²), its lot is bigger than 69% of them (3.53 ac against a typical 1.79 ac) and it is newer than 64% of them (1999 against a typical 1994). Measured against all of Habersham County, it is worth more than 92% 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 656 River Ridge Rd, Clarkesville, GA?

The 2025 property tax bill for 656 River Ridge Rd, Clarkesville, GA was $5,528. The county assessed it at $228,835.

More homes on River Ridge Rd

Closest homes

More homes in Clarkesville 30523

Assigned schools

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