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Single Family ResidenceResidential
$321,236$174 / 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 97How 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

12020 ROCK SPRING DR

COLDSTREAM, KY 40245
3
Baths
1,850 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.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$321K
$310K low$332K 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.$300,661
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$240,529
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.6%
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.$20,575
JEFFERSON CNTY FCU · recorded Jul 1, 2019

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$255,650 (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.$209,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$255,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$255,650

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
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.
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
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
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 · 12 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 · 0.8 mi
M
Kammerer Middle SchoolC-
Middle · Grades 6–8 · 5.4 mi
H
Ballard High SchoolA-
High · Grades 9–12 · 5.7 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

12020 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 88% of homes in Louisville 40245
  • Costs less per square foot than 90% of homes in Louisville 40245
  • Bigger than 83% of homes in Coldstream
  • Has a bigger lot than 86% of homes in Coldstream
  • Older than 91% of homes in Louisville 40245

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
$190K$1.2M

This home is worth more than 12% 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$321,236
CheaperTypical $494,072Pricier

Pricier than 12% of homes nearby

Price per ft²$174
CheaperTypical $212Pricier

Pricier than 10% of homes nearby

Living area1,850 ft²
SmallerTypical 2,296 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.29 ac
SmallerTypical 0.27 acBigger

Bigger than 55% of homes nearby

Year built1978
OlderTypical 2000Newer

Newer than 9% of homes nearby

How 12020 Rock Spring Dr ranks against every home in each area.
MeasureThis homeColdstreamLouisville 40245Jefferson County
Estimated valuepricier than$321,23667% of homes12% of homes66% of homes
Price per ft²pricier than$17412% of homes10% of homes36% of homes
Living areabigger than1,850 ft²83% of homes29% of homes74% of homes
Lot sizebigger than0.29 ac86% of homes55% of homes74% of homes
Year builtnewer than197826% of homes9% of homes68% of homes

About 12020 Rock Spring Dr

How much is 12020 Rock Spring Dr, Coldstream, KY worth?

The TopHap Estimate for 12020 Rock Spring Dr, Coldstream, KY is $321,236 as of Jul 14, 2026. The likely range is $310,043 to $332,429. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12020 Rock Spring Dr, Coldstream, KY last sell?

12020 Rock Spring Dr, Coldstream, KY last sold on May 8, 1989, according to the county's recorded deed.

How big is 12020 Rock Spring Dr, Coldstream, KY?

12020 Rock Spring Dr, Coldstream, KY has 3 bathrooms, 1,850 square feet of living space and a 0.29-acre lot.

When was 12020 Rock Spring Dr, Coldstream, KY built?

12020 Rock Spring Dr, Coldstream, KY was built in 1978, making it 48 years old. The building has 1 story.

What schools serve 12020 Rock Spring Dr, Coldstream, KY?

12020 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 12020 Rock Spring Dr, Coldstream, KY compare to other homes in Louisville 40245?

Among the 13,668 homes in Louisville 40245, it is worth more than 12% of them ($321,236 against a typical $494,072), its price per square foot is higher than 10% of them ($174 against a typical $212), it is bigger than 29% of them (1,850 ft² against a typical 2,296 ft²), its lot is bigger than 55% of them (0.29 ac against a typical 0.27 ac) and it is newer than 9% of them (1978 against a typical 2000). Measured against all of Jefferson County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Coldstream 40245

Assigned schools

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