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100 Ruby Trail, Guyton, GA, 31312

5beds
3baths
2,921sqft
$515,000
$176price/sqft
$3,514/moest. monthly cost
$140,560/yrincome needed

About This Home

Welcome to Emerald Plantation! Situated on a beautifully landscaped .52-acre waterfront lot, this spacious 5 bed, 3 bath home offers 2,921 sq ft of thoughtfully designed living space. From the moment you arrive at 100 Ruby Trail, you’ll love the charming curb appeal, stone and hardie board construction, inviting front porch, and a peaceful pond view. Inside, you’ll find an open and airy floor plan featuring gorgeous wood flooring, a formal dining room and a large living room filled with natural light. The gourmet kitchen is perfect for entertaining with double ovens, granite countertops, stainless steel appliances, abundant cabinetry, and a large island overlooking the main living space. Upstairs, the oversized primary suite is a true retreat featuring a huge walk-in closet with direct access to the laundry room for added convenience. Four other spacious secondary bedrooms provide plenty of room for family, guests, home office space or hobbies. With 5th bedroom and 3rd full bathroom downstairs. Step outside to enjoy the covered back porch overlooking the pond. The perfect place to relax, unwind, or enjoy peaceful backyard views year round. Located in the desirable Emerald Plantation neighborhood where residents enjoy community amenities including four neighborhood stocked ponds, a clubhouse and community pool. Don't miss your opportunity to make 100 Ruby Trail your HOME!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Marlow Elementary SchoolGrades PK-52.0 mi
9/10
7/10

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame,Concrete,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Electric Appliances,Cooktop,Double Oven,Dishwasher,Electric Water Heater,Microwave,Plumbed For Ice Maker,Refrigerator,Self Cleaning Oven
  • Laundry features: Washer Hookup,Dryer Hookup,Laundry Room,Upper Level

Basement

  • Basement: None

Bathroom2

  • Level: Main

Bathroom3

  • Level: Upper

Bedroom2

  • Level: Main

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedroom5

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Attic,Breakfast Bar,Breakfast Area,Tray Ceiling(s),Ceiling Fan(s),Double Vanity,Entrance Foyer,Gourmet Kitchen,Garden Tub/Roman Tub,High Ceilings,Primary Suite,Pantry,Recessed Lighting,Separate Shower,Upper Level Primary,Programmable Thermostat
  • Window features: Double Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: Electric,Great Room
  • Fireplace: Yes
  • Attic: Walk-In
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric,Heat Pump

Interior Area

  • Total interior livable area: 2,921 sqft

Laundry

  • Level: Upper

Primary Bathroom

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 0351A00000001000
  • Zoning: R-1
  • Zoning description: Single Family
  • Special condition: Standard

Features

  • Pool features: Community
  • Patio & porch: Covered,Patio,Front Porch
  • Has view: Yes
  • View description: Lagoon,Panoramic
  • Has water view: Yes
  • Water view: Lagoon
  • On waterfront: Yes
  • Waterfront features: Lagoon,Pond

Lot

  • Lot size: 0.52 Acres
  • Features: Corner Lot,Sprinkler System
  • Lot size dimensions: .52 Ac

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener,Kitchen Level,Rear/Side/Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Hurricane
Heat Wave

FEMA Declared Disasters Across Georgia Counties

Hurricane
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,604$31,248
Home Insurance *$246$2,952
Property Taxes $381$4,572
Electricity $283$3,405
Total$3,514$42,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,480/yr
40% on housing$105,420/yr
45% on housing$93,706/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 31312$156
Effingham County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 31312$184
Effingham County$188

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-18Price change$505,000
2026-07-06Price change$515,000
2026-05-28Price change$520,000
2026-05-13Listed for sale$525,000
2019-08-08Sold$350,900
2019-05-23Price change$314,900
2019-04-24Pending sale$350,900
2019-02-17Price change$350,900
2019-02-14Price change$314,900
2018-12-13Price change$349,900
2018-09-06Listed for sale$314,900
2010-04-20Sold$675,000

For Sale by Agent

AgentBecki Patterson
BrokerageKeller Williams Coastal Area P

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