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Single Family ResidenceResidential
$239,170$146 / 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
Last sold for $124,000 on Aug 19, 2004

11903 ROCK SPRING DR

COLDSTREAM, KY 40245
2
Beds
3 / 1
Baths
1,635 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$239K
$229K low$250K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$124,000 · Aug 19, 2004
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.$48,697
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$38,958
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.79%
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.$99,200
CTX MORTGAGE CO · recorded Aug 23, 2004
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.$91,273
US BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,825 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$160,390 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$46,350
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$114,040
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$160,390
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$160,390

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.42
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
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.
88
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.
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.6%
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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyJefferson
Lot (acres)The size of the land the home sits on, from county records.0.29
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 48 ft²

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

E
Chancey Elementary SchoolC-
Elementary · Grades KG–5 · 0.6 mi
M
Kammerer Middle SchoolC-
Middle · Grades 6–8 · 5.3 mi
H
Ballard High SchoolA-
High · Grades 9–12 · 5.5 mi

District: Jefferson County School District

Neighborhood · ZIP 40245These 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.37
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.38%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
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.37,535
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,079 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$131,069
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$165,304
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

11903 Rock Spring 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 less than 96% of homes in Louisville 40245
  • Among the lowest price per square foot in Louisville 40245
  • Smaller than 81% of homes in Louisville 40245
  • Has a bigger lot than 87% of homes in Coldstream
  • Older than 95% of homes in Coldstream

What homes are worth in Louisville 40245

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

This home
$198K$1.2M

This home is worth more than 4% of homes in Louisville 40245.

How it measures up in Louisville 40245

The dot is this home. The mark in the middle is the typical home in Louisville 40245.

Estimated value$239,170
CheaperTypical $495,687Pricier

Pricier than 4% of homes nearby

Price per ft²$146
CheaperTypical $212Pricier

Cheaper than almost all homes nearby

Living area1,635 ft²
SmallerTypical 2,301 ft²Bigger

Bigger than 19% of homes nearby

Lot size0.29 ac
SmallerTypical 0.27 acBigger

Bigger than 56% of homes nearby

Year built1976
OlderTypical 2000Newer

Newer than 7% of homes nearby

How 11903 Rock Spring Dr ranks against every home in each area.
MeasureThis homeColdstreamLouisville 40245Jefferson County
Estimated valuepricier than$239,17011% of homes4% of homes43% of homes
Price per ft²pricier than$1463% of homesalmost no homes19% of homes
Living areabigger than1,635 ft²71% of homes19% of homes67% of homes
Lot sizebigger than0.29 ac87% of homes56% of homes75% of homes
Year builtnewer than19765% of homes7% of homes67% of homes

About 11903 Rock Spring Dr

How much is 11903 Rock Spring Dr, Coldstream, KY worth?

The TopHap Estimate for 11903 Rock Spring Dr, Coldstream, KY is $239,170 as of Jul 14, 2026. The likely range is $228,592 to $249,748. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11903 Rock Spring Dr, Coldstream, KY last sell?

11903 Rock Spring Dr, Coldstream, KY last sold on Aug 19, 2004 for $124,000, according to the county's recorded deed.

How big is 11903 Rock Spring Dr, Coldstream, KY?

11903 Rock Spring Dr, Coldstream, KY has 2 bedrooms, 3 bathrooms, 1,635 square feet of living space and a 0.29-acre lot.

When was 11903 Rock Spring Dr, Coldstream, KY built?

11903 Rock Spring Dr, Coldstream, KY was built in 1976, making it 50 years old. It is a conventional home. The building has 2 stories.

What schools serve 11903 Rock Spring Dr, Coldstream, KY?

11903 Rock Spring Dr, Coldstream, KY is assigned to Chancey Elementary School (elementary), rated C-; Kammerer Middle School (middle), rated C-; Ballard High School (high), rated A-. All sit in Jefferson County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11903 Rock Spring Dr, Coldstream, KY compare to other homes in Louisville 40245?

Among the 13,660 homes in Louisville 40245, it is worth more than 4% of them ($239,170 against a typical $495,687), its price per square foot is higher than almost none of them ($146 against a typical $212), it is bigger than 19% of them (1,635 ft² against a typical 2,301 ft²), its lot is bigger than 56% of them (0.29 ac against a typical 0.27 ac) and it is newer than 7% of them (1976 against a typical 2000). Measured against all of Jefferson 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 11903 Rock Spring Dr, Coldstream, KY?

The 2024 property tax bill for 11903 Rock Spring Dr, Coldstream, KY was $1,825. The county assessed it at $160,390.

Closest homes

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Assigned schools

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