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Single Family ResidenceResidential
$186,368$160 / 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 81How 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

145 STEPHENS LN

RUSSELL SPRINGS, KY 42642
3
Beds
2
Baths
1,166 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.
1995
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

$186K
$151K low$221K 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.$26,368
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$21,094
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.86%
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.$160,000
EAST NATIONAL BANK · 6.46% 2 · recorded May 15, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$546 (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.$108,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$108,000

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
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.
96
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.

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.Split Level
CountyRussell
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 10 ft²

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
Russell Springs Elementary SchoolA-
Elementary · Grades PK–5 · 0.6 mi
H
Russell County High SchoolC-
High · Grades 9–12 · 3.1 mi
M
Russell County Middle SchoolB
Middle · Grades 6–8 · 3.3 mi

District: Russell County School District

Neighborhood · ZIP 42642These 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.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.130
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.13,388
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.92 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,386
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,857
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.54 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

145 Stephens Ln 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 more than 67% of homes in Russell County
  • Costs more per square foot than 71% of homes in Russell Springs 42642

What homes are worth in Russell Springs 42642

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

This home
$18K$487K

This home is worth more than 65% of homes in Russell Springs 42642.

How it measures up in Russell Springs 42642

The dot is this home. The mark in the middle is the typical home in Russell Springs 42642.

Estimated value$186,368
CheaperTypical $151,449Pricier

Pricier than 65% of homes nearby

Price per ft²$160
CheaperTypical $131Pricier

Pricier than 71% of homes nearby

Living area1,166 ft²
SmallerTypical 1,248 ft²Bigger

Bigger than 42% of homes nearby

Year built1995
OlderTypical 1995Newer

Newer than 51% of homes nearby

How 145 Stephens Ln ranks against every home in each area.
MeasureThis homeRussell Springs 42642Russell County
Estimated valuepricier than$186,36865% of homes67% of homes
Price per ft²pricier than$16071% of homes68% of homes
Living areabigger than1,166 ft²42% of homes43% of homes
Year builtnewer than199551% of homes49% of homes

About 145 Stephens Ln

How much is 145 Stephens Ln, Russell Springs, KY worth?

The TopHap Estimate for 145 Stephens Ln, Russell Springs, KY is $186,368 as of Jul 14, 2026. The likely range is $151,446 to $221,290. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 145 Stephens Ln, Russell Springs, KY?

145 Stephens Ln, Russell Springs, KY has 3 bedrooms, 2 bathrooms and 1,166 square feet of living space.

When was 145 Stephens Ln, Russell Springs, KY built?

145 Stephens Ln, Russell Springs, KY was built in 1995, making it 31 years old. It is a split level home. The building has 2 stories.

What schools serve 145 Stephens Ln, Russell Springs, KY?

145 Stephens Ln, Russell Springs, KY is assigned to Russell Springs Elementary School (elementary), rated A-; Russell County High School (high), rated C-; Russell County Middle School (middle), rated B. All sit in Russell County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 145 Stephens Ln, Russell Springs, KY compare to other homes in Russell Springs 42642?

Among the 7,486 homes in Russell Springs 42642, it is worth more than 65% of them ($186,368 against a typical $151,449), its price per square foot is higher than 71% of them ($160 against a typical $131), it is bigger than 42% of them (1,166 ft² against a typical 1,248 ft²) and it is newer than 51% of them (1995 against a typical 1995). Measured against all of Russell County, it is worth more than 67% 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 145 Stephens Ln, Russell Springs, KY?

The 2025 property tax bill for 145 Stephens Ln, Russell Springs, KY was $546. The county assessed it at $108,000.

Closest homes

More homes in Russell Springs 42642

Assigned schools

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