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Single Family ResidenceResidential
$50,328$31 / 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 96How 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

1085 RIVER # RD

LOVELY, KY 41231
2
Beds
1
Baths
1,620 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.
1.01 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$50K
$48K low$52K 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.$50,328
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$40,262

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,004 (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.$66,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$59,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$66,000

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
CountyMartin
Lot (acres)The size of the land the home sits on, from county records.1.01
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.Asphalt
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Flood Plain/Flood Zone
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 232 ft²

Neighborhood · ZIP 41231These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.127
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.54

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.3.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.28%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.393
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.96 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,778
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,771
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

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

1085 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.

  • Costs less per square foot than 73% of homes in Lovely 41231
  • Bigger than 72% of homes in Lovely 41231
  • Older than 96% of homes in Lovely 41231

What homes are worth in Lovely 41231

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

This home
$24K$126K

This home is worth more than 46% of homes in Lovely 41231.

How it measures up in Lovely 41231

The dot is this home. The mark in the middle is the typical home in Lovely 41231.

Estimated value$50,328
CheaperTypical $52,411Pricier

Pricier than 46% of homes nearby

Price per ft²$31
CheaperTypical $36Pricier

Pricier than 27% of homes nearby

Living area1,620 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 72% of homes nearby

Lot size1.01 ac
SmallerTypical 1 acBigger

Bigger than 56% of homes nearby

Year built1940
OlderTypical 1984Newer

Newer than 4% of homes nearby

How 1085 River # Rd ranks against every home in each area.
MeasureThis homeLovely 41231Martin County
Estimated valuepricier than$50,32846% of homes43% of homes
Price per ft²pricier than$3127% of homes27% of homes
Living areabigger than1,620 ft²72% of homes70% of homes
Lot sizebigger than1.01 ac56% of homes47% of homes
Year builtnewer than19404% of homes5% of homes

About 1085 River # Rd

How much is 1085 River # Rd, Lovely, KY worth?

The TopHap Estimate for 1085 River # Rd, Lovely, KY is $50,328 as of Jul 14, 2026. The likely range is $48,492 to $52,164. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1085 River # Rd, Lovely, KY last sell?

1085 River # Rd, Lovely, KY last sold on Dec 4, 2023, according to the county's recorded deed.

How big is 1085 River # Rd, Lovely, KY?

1085 River # Rd, Lovely, KY has 2 bedrooms, 1 bathrooms, 1,620 square feet of living space and a 1.01-acre lot.

When was 1085 River # Rd, Lovely, KY built?

1085 River # Rd, Lovely, KY was built in 1940, making it 86 years old. The building has 1 story.

How does 1085 River # Rd, Lovely, KY compare to other homes in Lovely 41231?

Among the 431 homes in Lovely 41231, it is worth more than 46% of them ($50,328 against a typical $52,411), its price per square foot is higher than 27% of them ($31 against a typical $36), it is bigger than 72% of them (1,620 ft² against a typical 1,280 ft²), its lot is bigger than 56% of them (1.01 ac against a typical 1 ac) and it is newer than 4% of them (1940 against a typical 1984). Measured against all of Martin County, it is worth more than 43% 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 1085 River # Rd, Lovely, KY?

The 2025 property tax bill for 1085 River # Rd, Lovely, KY was $1,004. The county assessed it at $66,000.

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