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Single Family ResidenceResidential
$186,581$121 / 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
Last sold for $165,000 on Dec 15, 2023

320 4TH ST

RICHMOND, KY 40475
3
Beds
1.5
Baths
1,547 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$187K
$165K low$208K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$165,000 · Dec 15, 2023
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.$15,370
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$12,296
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.93%
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.$162,011
REPUBLIC STATE MORTGAGE CO · recorded Dec 15, 2023
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.$9,200
LEXINGTON-FAYETTE URBAN COUNTY GOV

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,556 (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.$165,000 (2025)
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$165,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMADISON
Lot (acres)The size of the land the home sits on, from county records.0.16
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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.

M
Madison Middle SchoolA-
Middle · Grades 6–8 · 0.4 mi
H
Madison Central High SchoolA-
High · Grades 9–12 · 0.5 mi
E
Kit Carson Elementary SchoolB
Elementary · Grades 1–5 · 0.9 mi

District: Madison County School District

Neighborhood · ZIP 40475These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.154
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.68,654
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.235 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,889
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,324
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

320 4th St 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 75% of homes in Richmond 40475
  • Costs less per square foot than 85% of homes in Richmond 40475
  • Has a smaller lot than 98% of homes in Richmond 40475
  • Older than 98% of homes in Richmond 40475

What homes are worth in Richmond 40475

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

This home
$57K$777K

This home is worth more than 25% of homes in Richmond 40475.

How it measures up in Richmond 40475

The dot is this home. The mark in the middle is the typical home in Richmond 40475.

Estimated value$186,581
CheaperTypical $272,201Pricier

Pricier than 25% of homes nearby

Price per ft²$121
CheaperTypical $164Pricier

Pricier than 15% of homes nearby

Living area1,547 ft²
SmallerTypical 1,621 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.16 ac
SmallerTypical 1.04 acBigger

Bigger than 2% of homes nearby

Year built1925
OlderTypical 2004Newer

Newer than 2% of homes nearby

How 320 4th St ranks against every home in each area.
MeasureThis homeRichmond 40475Madison County
Estimated valuepricier than$186,58125% of homes29% of homes
Price per ft²pricier than$12115% of homes17% of homes
Living areabigger than1,547 ft²45% of homes48% of homes
Lot sizebigger than0.16 ac2% of homes2% of homes
Year builtnewer than19252% of homes2% of homes

About 320 4th St

How much is 320 4th St, Richmond, KY worth?

The TopHap Estimate for 320 4th St, Richmond, KY is $186,581 as of Jul 14, 2026. The likely range is $164,730 to $208,432. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 4th St, Richmond, KY last sell?

320 4th St, Richmond, KY last sold on Dec 15, 2023 for $165,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 320 4th St, Richmond, KY?

320 4th St, Richmond, KY has 3 bedrooms, 1.5 bathrooms, 1,547 square feet of living space and a 0.16-acre lot.

When was 320 4th St, Richmond, KY built?

320 4th St, Richmond, KY was built in 1925, making it 101 years old. The building has 1 story.

What schools serve 320 4th St, Richmond, KY?

320 4th St, Richmond, KY is assigned to Madison Middle School (middle), rated A-; Madison Central High School (high), rated A-; Kit Carson Elementary School (elementary), rated B. All sit in Madison County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 4th St, Richmond, KY compare to other homes in Richmond 40475?

Among the 18,432 homes in Richmond 40475, it is worth more than 25% of them ($186,581 against a typical $272,201), its price per square foot is higher than 15% of them ($121 against a typical $164), it is bigger than 45% of them (1,547 ft² against a typical 1,621 ft²), its lot is bigger than 2% of them (0.16 ac against a typical 1.04 ac) and it is newer than 2% of them (1925 against a typical 2004). Measured against all of Madison County, it is worth more than 29% 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 320 4th St, Richmond, KY?

The 2025 property tax bill for 320 4th St, Richmond, KY was $1,556. The county assessed it at $165,000.

More homes on 4th St

Closest homes

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Assigned schools

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