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Single Family ResidenceResidential
$294,992$182 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

10630 LOWER RIVER RD

UNION, KY 41091
3
Beds
4
Baths
1,624 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.
3.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$295K
$270K low$320K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,763 (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.$199,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$45,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$154,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$199,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$199,500

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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyBoone
Lot (acres)The size of the land the home sits on, from county records.3.33
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 600 ft²

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

E
Charles H Kelly Elementary SchoolA+
Elementary · Grades KG–5 · 3.5 mi
M
Ballyshannon Middle SchoolB-
Middle · Grades 6–8 · 8.2 mi
H
Larry A. Ryle High SchoolA
High · Grades 9–12 · 9.4 mi

District: Boone County School District

Neighborhood · ZIP 41091These 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.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.207
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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.7%
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.26,024
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.497 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$132,353
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,272
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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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

10630 Lower River Rd 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 86% of homes in Union 41091
  • Smaller than 79% of homes in Union 41091
  • Has a bigger lot than 93% of homes in Boone County
  • Older than 82% of homes in Union 41091

What homes are worth in Union 41091

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

This home
$198K$974K

This home is worth more than 14% of homes in Union 41091.

How it measures up in Union 41091

The dot is this home. The mark in the middle is the typical home in Union 41091.

Estimated value$294,992
CheaperTypical $426,838Pricier

Pricier than 14% of homes nearby

Price per ft²$182
CheaperTypical $192Pricier

Pricier than 38% of homes nearby

Living area1,624 ft²
SmallerTypical 2,240 ft²Bigger

Bigger than 21% of homes nearby

Lot size3.33 ac
SmallerTypical 0.34 acBigger

Bigger than 92% of homes nearby

Year built1993
OlderTypical 2004Newer

Newer than 18% of homes nearby

How 10630 Lower River Rd ranks against every home in each area.
MeasureThis homeUnion 41091Boone County
Estimated valuepricier than$294,99214% of homes39% of homes
Price per ft²pricier than$18238% of homes45% of homes
Living areabigger than1,624 ft²21% of homes46% of homes
Lot sizebigger than3.33 ac92% of homes93% of homes
Year builtnewer than199318% of homes37% of homes

About 10630 Lower River Rd

How much is 10630 Lower River Rd, Union, KY worth?

The TopHap Estimate for 10630 Lower River Rd, Union, KY is $294,992 as of Aug 30, 2026. The likely range is $270,460 to $319,524. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 10630 Lower River Rd, Union, KY?

10630 Lower River Rd, Union, KY has 3 bedrooms, 4 bathrooms, 1,624 square feet of living space and a 3.33-acre lot.

When was 10630 Lower River Rd, Union, KY built?

10630 Lower River Rd, Union, KY was built in 1993, making it 33 years old. It is a conventional home. The building has 1 story.

What schools serve 10630 Lower River Rd, Union, KY?

10630 Lower River Rd, Union, KY is assigned to Charles H Kelly Elementary School (elementary), rated A+; Ballyshannon Middle School (middle), rated B-; Larry A. Ryle High School (high), rated A. All sit in Boone County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10630 Lower River Rd, Union, KY compare to other homes in Union 41091?

Among the 9,801 homes in Union 41091, it is worth more than 14% of them ($294,992 against a typical $426,838), its price per square foot is higher than 38% of them ($182 against a typical $192), it is bigger than 21% of them (1,624 ft² against a typical 2,240 ft²), its lot is bigger than 92% of them (3.33 ac against a typical 0.34 ac) and it is newer than 18% of them (1993 against a typical 2004). Measured against all of Boone County, it is worth more than 39% 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 10630 Lower River Rd, Union, KY?

The 2025 property tax bill for 10630 Lower River Rd, Union, KY was $1,763. The county assessed it at $199,500.

More homes on Lower River Rd

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