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Single Family ResidenceResidential
$329,000$253 / 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 69How 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 $48,000 on Jun 20, 2013

3431 RIVER DR

RICHMOND, KY 40475
3
Beds
2
Baths
1,302 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.
2.04 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.

Valuation

$329K
$228K low$430K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$48,000 · Jun 20, 2013
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.$124,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$99,200
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.62%
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.$205,000
CUMBERLAND VALLEY NATL BANK & TRUST CO · recorded Oct 6, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$990 (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.$105,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$105,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$105,000

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
CountyMadison
Lot (acres)The size of the land the home sits on, from county records.2.04
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Boonesborough Elementary SchoolA
Elementary · Grades PK–5 · 2.9 mi
M
B. Michael Caudill Middle SchoolA
Middle · Grades 6–8 · 7.3 mi
H
Madison Central High SchoolA-
High · Grades 9–12 · 8.4 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.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

3431 River 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 more than 74% of homes in Madison County
  • Costs more per square foot than 95% of homes in Madison County
  • Smaller than 73% of homes in Richmond 40475
  • Has a bigger lot than 72% 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 68% 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$329,000
CheaperTypical $272,201Pricier

Pricier than 68% of homes nearby

Price per ft²$253
CheaperTypical $164Pricier

Pricier than 93% of homes nearby

Living area1,302 ft²
SmallerTypical 1,621 ft²Bigger

Bigger than 27% of homes nearby

Lot size2.04 ac
SmallerTypical 1.04 acBigger

Bigger than 72% of homes nearby

How 3431 River Dr ranks against every home in each area.
MeasureThis homeRichmond 40475Madison County
Estimated valuepricier than$329,00068% of homes74% of homes
Price per ft²pricier than$25393% of homes95% of homes
Living areabigger than1,302 ft²27% of homes29% of homes
Lot sizebigger than2.04 ac72% of homes70% of homes

About 3431 River Dr

How much is 3431 River Dr, Richmond, KY worth?

The TopHap Estimate for 3431 River Dr, Richmond, KY is $329,000 as of Jul 14, 2026. The likely range is $228,452 to $429,548. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3431 River Dr, Richmond, KY last sell?

3431 River Dr, Richmond, KY last sold on Jun 20, 2013 for $48,000, according to the county's recorded deed.

How big is 3431 River Dr, Richmond, KY?

3431 River Dr, Richmond, KY has 3 bedrooms, 2 bathrooms, 1,302 square feet of living space and a 2.04-acre lot.

What schools serve 3431 River Dr, Richmond, KY?

3431 River Dr, Richmond, KY is assigned to Boonesborough Elementary School (elementary), rated A; B. Michael Caudill Middle School (middle), rated A; Madison Central High School (high), rated A-. All sit in Madison County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3431 River Dr, Richmond, KY compare to other homes in Richmond 40475?

Among the 18,432 homes in Richmond 40475, it is worth more than 68% of them ($329,000 against a typical $272,201), its price per square foot is higher than 93% of them ($253 against a typical $164), it is bigger than 27% of them (1,302 ft² against a typical 1,621 ft²) and its lot is bigger than 72% of them (2.04 ac against a typical 1.04 ac). Measured against all of Madison County, it is worth more than 74% 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 3431 River Dr, Richmond, KY?

The 2025 property tax bill for 3431 River Dr, Richmond, KY was $990. The county assessed it at $105,000.

More homes on River Dr

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Assigned schools

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See this home in context

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