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Single Family ResidenceResidential
$144,595$227 / 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

148 RUBY RIDGE DR

WILLIAMSTOWN, KY 41097
2
Beds
1
Baths
636 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.
14.35 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$145K
$127K low$162K 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.$39,595
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$31,676
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.76%
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.$105,000
ROYAL UNITED MORTGAGE LLC · recorded Apr 9, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$406 (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.$81,800 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$81,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$81,800

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
CountyPendleton
Lot (acres)The size of the land the home sits on, from county records.14.35
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached

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.

H
Pendleton County High SchoolC-
High · Grades 9–12 · 6.8 mi
E
Southern Elementary SchoolC+
Elementary · Grades PK–5 · 7.7 mi
M
Phillip Sharp Middle SchoolD
Middle · Grades 6–8 · 8.5 mi

District: Pendleton County School District

Neighborhood · ZIP 41097These 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.114
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.199
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.7,520
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.76 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,019
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,455
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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

148 Ruby Ridge Dr 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 less than 69% of homes in Williamstown 41097
  • Costs more per square foot than 84% of homes in Pendleton County
  • Smaller than 98% of homes in Pendleton County
  • Has a bigger lot than 83% of homes in Williamstown 41097
  • Newer than 73% of homes in Williamstown 41097

What homes are worth in Williamstown 41097

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

This home
$21K$647K

This home is worth more than 31% of homes in Williamstown 41097.

How it measures up in Williamstown 41097

The dot is this home. The mark in the middle is the typical home in Williamstown 41097.

Estimated value$144,595
CheaperTypical $201,453Pricier

Pricier than 31% of homes nearby

Price per ft²$227
CheaperTypical $176Pricier

Pricier than 78% of homes nearby

Living area636 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 4% of homes nearby

Lot size14.35 ac
SmallerTypical 1.16 acBigger

Bigger than 83% of homes nearby

Year built1995
OlderTypical 1977Newer

Newer than 73% of homes nearby

How 148 Ruby Ridge Dr ranks against every home in each area.
MeasureThis homeWilliamstown 41097Pendleton County
Estimated valuepricier than$144,59531% of homes32% of homes
Price per ft²pricier than$22778% of homes84% of homes
Living areabigger than636 ft²4% of homes2% of homes
Lot sizebigger than14.35 ac83% of homes72% of homes
Year builtnewer than199573% of homes64% of homes

About 148 Ruby Ridge Dr

How much is 148 Ruby Ridge Dr, Williamstown, KY worth?

The TopHap Estimate for 148 Ruby Ridge Dr, Williamstown, KY is $144,595 as of Jul 14, 2026. The likely range is $126,958 to $162,232. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 148 Ruby Ridge Dr, Williamstown, KY?

148 Ruby Ridge Dr, Williamstown, KY has 2 bedrooms, 1 bathrooms, 636 square feet of living space and a 14.35-acre lot.

When was 148 Ruby Ridge Dr, Williamstown, KY built?

148 Ruby Ridge Dr, Williamstown, KY was built in 1995, making it 31 years old.

What schools serve 148 Ruby Ridge Dr, Williamstown, KY?

148 Ruby Ridge Dr, Williamstown, KY is assigned to Pendleton County High School (high), rated C-; Southern Elementary School (elementary), rated C+; Phillip Sharp Middle School (middle), rated D. All sit in Pendleton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 148 Ruby Ridge Dr, Williamstown, KY compare to other homes in Williamstown 41097?

Among the 3,396 homes in Williamstown 41097, it is worth more than 31% of them ($144,595 against a typical $201,453), its price per square foot is higher than 78% of them ($227 against a typical $176), it is bigger than 4% of them (636 ft² against a typical 1,280 ft²), its lot is bigger than 83% of them (14.35 ac against a typical 1.16 ac) and it is newer than 73% of them (1995 against a typical 1977). Measured against all of Pendleton County, it is worth more than 32% 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 148 Ruby Ridge Dr, Williamstown, KY?

The 2025 property tax bill for 148 Ruby Ridge Dr, Williamstown, KY was $406. The county assessed it at $81,800.

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