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Single Family ResidenceResidential
$161,670$123 / 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 91How 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 $90,000 on Nov 2, 2021

109 E LOCUST ST

RICHMOND, KY 40475
0
Baths
1,312 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
StoriesHow many floors the home has above ground.

Valuation

$162K
$148K low$176K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$90,000 · Nov 2, 2021
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.$39,670
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$31,736
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.72%
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.$72,000
HOMETOWN LENDERS INC · recorded Nov 2, 2021
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.$50,000
LEWISBURG BANKING COMPANY

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,358 (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.$144,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$90,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$144,000

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.6 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.minimal

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
HeatingThe type of heating system in the home.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Central

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
Kit Carson Elementary SchoolB
Elementary · Grades 1–5 · 0.3 mi
M
Madison Middle SchoolA-
Middle · Grades 6–8 · 0.9 mi
H
Madison Central High SchoolA-
High · Grades 9–12 · 1.1 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

109 E Locust 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 82% of homes in Richmond 40475
  • Costs less per square foot than 84% of homes in Richmond 40475
  • Smaller 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
$56K$740K

This home is worth more than 18% 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$161,670
CheaperTypical $271,215Pricier

Pricier than 18% of homes nearby

Price per ft²$123
CheaperTypical $164Pricier

Pricier than 16% of homes nearby

Living area1,312 ft²
SmallerTypical 1,618 ft²Bigger

Bigger than 28% of homes nearby

How 109 E Locust St ranks against every home in each area.
MeasureThis homeRichmond 40475Madison County
Estimated valuepricier than$161,67018% of homes21% of homes
Price per ft²pricier than$12316% of homes18% of homes
Living areabigger than1,312 ft²28% of homes30% of homes

About 109 E Locust St

How much is 109 E Locust St, Richmond, KY worth?

The TopHap Estimate for 109 E Locust St, Richmond, KY is $161,670 as of Jul 14, 2026. The likely range is $147,791 to $175,549. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 E Locust St, Richmond, KY last sell?

109 E Locust St, Richmond, KY last sold on Nov 2, 2021 for $90,000, according to the county's recorded deed.

What schools serve 109 E Locust St, Richmond, KY?

109 E Locust St, Richmond, KY is assigned to Kit Carson Elementary School (elementary), rated B; Madison 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 109 E Locust St, Richmond, KY compare to other homes in Richmond 40475?

Among the 18,432 homes in Richmond 40475, it is worth more than 18% of them ($161,670 against a typical $271,215), its price per square foot is higher than 16% of them ($123 against a typical $164) and it is bigger than 28% of them (1,312 ft² against a typical 1,618 ft²). Measured against all of Madison County, it is worth more than 21% 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 109 E Locust St, Richmond, KY?

The 2025 property tax bill for 109 E Locust St, Richmond, KY was $1,358. The county assessed it at $144,000.

Closest homes

More homes in Richmond 40475

Assigned schools

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