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Single Family ResidenceResidential
$1,034,060
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 73How 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 $742,322 on Apr 30, 2024

5520 RUBY FALLS DR

PROSPECT, KY 40059
0
Baths
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$1M
$755K low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$742,322 · Apr 30, 2024
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.$440,203
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$352,162
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.58%
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.$593,857
PROVIDENT FUNDING ASSOCIATES LP · recorded Apr 30, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,740 (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.$742,322 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$662,322
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$280,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$742,322

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.0.30

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
Goshen Elementary SchoolA
Elementary · Grades KG–5 · 2.3 mi
H
North Oldham High SchoolA+
High · Grades 9–12 · 3.7 mi
M
North Oldham Middle SchoolA
Middle · Grades 6–8 · 3.7 mi

District: Oldham County School District

Neighborhood · ZIP 40059These 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.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.20,754
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.687 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$161,695
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$242,554
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

5520 Ruby Falls 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 96% of homes in Oldham County
  • Has a smaller lot than 78% of homes in Oldham County

What homes are worth in Prospect 40059

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

This home
$75K$2M

This home is worth more than 86% of homes in Prospect 40059.

How it measures up in Prospect 40059

The dot is this home. The mark in the middle is the typical home in Prospect 40059.

Estimated value$1,034,060
CheaperTypical $657,400Pricier

Pricier than 86% of homes nearby

Lot size0.3 ac
SmallerTypical 0.38 acBigger

Bigger than 36% of homes nearby

How 5520 Ruby Falls Dr ranks against every home in each area.
MeasureThis homeProspect 40059Oldham County
Estimated valuepricier than$1,034,06086% of homes96% of homes
Lot sizebigger than0.3 ac36% of homes22% of homes

About 5520 Ruby Falls Dr

How much is 5520 Ruby Falls Dr, Prospect, KY worth?

The TopHap Estimate for 5520 Ruby Falls Dr, Prospect, KY is $1,034,060 as of Jul 14, 2026. The likely range is $754,953 to $1,313,167. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5520 Ruby Falls Dr, Prospect, KY last sell?

5520 Ruby Falls Dr, Prospect, KY last sold on Apr 30, 2024 for $742,322, according to the county's recorded deed.

What schools serve 5520 Ruby Falls Dr, Prospect, KY?

5520 Ruby Falls Dr, Prospect, KY is assigned to Goshen Elementary School (elementary), rated A; North Oldham High School (high), rated A+; North Oldham Middle School (middle), rated A. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5520 Ruby Falls Dr, Prospect, KY compare to other homes in Prospect 40059?

Among the 8,612 homes in Prospect 40059, it is worth more than 86% of them ($1,034,060 against a typical $657,400) and its lot is bigger than 36% of them (0.3 ac against a typical 0.38 ac). Measured against all of Oldham County, it is worth more than 96% 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 5520 Ruby Falls Dr, Prospect, KY?

The 2025 property tax bill for 5520 Ruby Falls Dr, Prospect, KY was $9,740. The county assessed it at $742,322.

More homes on Ruby Falls Dr

Closest homes

More homes in Prospect 40059

Assigned schools

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