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Single Family ResidenceResidential
$1,483,644
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 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $995,425 on Jan 7, 2019

11202 SADDLE RIDGE CT

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

Valuation

$1.5M
$1.1M low$1.9M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$995,425 · Jan 7, 2019
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.103%
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.$792,000
AMALGAMATED BANK · recorded May 3, 2019
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.$510,400
COMMONWEALTH BANK & TRUST CO
3rd 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.$230,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,908 (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.$1,045,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$150,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$895,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,045,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,045,000

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.12 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
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.1.47

Transaction History(3)

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 · 1.9 mi
H
North Oldham High SchoolA+
High · Grades 9–12 · 2.7 mi
M
North Oldham Middle SchoolA
Middle · Grades 6–8 · 2.7 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

11202 Saddle Ridge Ct 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.

  • Among the most valuable homes in Oldham County
  • Has a bigger lot than 89% of homes in Prospect 40059

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 96% 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$1,483,644
CheaperTypical $653,494Pricier

Pricier than 96% of homes nearby

Lot size1.47 ac
SmallerTypical 0.38 acBigger

Bigger than 89% of homes nearby

How 11202 Saddle Ridge Ct ranks against every home in each area.
MeasureThis homeProspect 40059Oldham County
Estimated valuepricier than$1,483,64496% of homesalmost all homes
Lot sizebigger than1.47 ac89% of homes77% of homes

About 11202 Saddle Ridge Ct

How much is 11202 Saddle Ridge Ct, Prospect, KY worth?

The TopHap Estimate for 11202 Saddle Ridge Ct, Prospect, KY is $1,483,644 as of Jun 23, 2026. The likely range is $1,112,733 to $1,854,555. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11202 Saddle Ridge Ct, Prospect, KY last sell?

11202 Saddle Ridge Ct, Prospect, KY last sold on Jan 7, 2019 for $995,425, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 11202 Saddle Ridge Ct, Prospect, KY?

11202 Saddle Ridge Ct, 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 11202 Saddle Ridge Ct, Prospect, KY compare to other homes in Prospect 40059?

Among the 8,612 homes in Prospect 40059, it is worth more than 96% of them ($1,483,644 against a typical $653,494) and its lot is bigger than 89% of them (1.47 ac against a typical 0.38 ac). Measured against all of Oldham County, it is worth more than almost all 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 11202 Saddle Ridge Ct, Prospect, KY?

The 2025 property tax bill for 11202 Saddle Ridge Ct, Prospect, KY was $12,908. The county assessed it at $1,045,000.

More homes on Saddle Ridge Ct

Closest homes

More homes in Prospect 40059

Assigned schools

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