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Single Family ResidenceResidential
$123,330$112 / 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 90How 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 $70,000 on Dec 27, 2006

195 RIVER DR

STANFORD, KY 40484
3
Beds
1
Baths
1,100 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.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$123K
$111K low$136K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$70,000 · Dec 27, 2006
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.$49,886
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,909
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.60%
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.$73,444
JPMORGAN CHASE BANK NA · recorded Dec 27, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$362 (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.$82,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$77,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$84,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$82,000

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.8 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
CountyLincoln
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)

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.

M
Lincoln County Middle SchoolD
Middle · Grades 6–8 · 1.5 mi
H
Lincoln County High SchoolC
High · Grades 9–12 · 1.6 mi
E
Stanford Elementary SchoolB-
Elementary · Grades PK–5 · 1.8 mi

District: Lincoln County School District

Neighborhood · ZIP 40484These 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.128
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 100.44

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.12,627
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.95 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,790
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,879
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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

195 River 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 87% of homes in Stanford 40484
  • Costs less per square foot than 79% of homes in Stanford 40484
  • Smaller than 80% of homes in Stanford 40484

What homes are worth in Stanford 40484

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

This home
$64K$668K

This home is worth more than 13% of homes in Stanford 40484.

How it measures up in Stanford 40484

The dot is this home. The mark in the middle is the typical home in Stanford 40484.

Estimated value$123,330
CheaperTypical $210,908Pricier

Pricier than 13% of homes nearby

Price per ft²$112
CheaperTypical $143Pricier

Pricier than 21% of homes nearby

Living area1,100 ft²
SmallerTypical 1,408 ft²Bigger

Bigger than 20% of homes nearby

How 195 River Dr ranks against every home in each area.
MeasureThis homeStanford 40484Lincoln County
Estimated valuepricier than$123,33013% of homes18% of homes
Price per ft²pricier than$11221% of homes26% of homes
Living areabigger than1,100 ft²20% of homes23% of homes

About 195 River Dr

How much is 195 River Dr, Stanford, KY worth?

The TopHap Estimate for 195 River Dr, Stanford, KY is $123,330 as of Jul 14, 2026. The likely range is $111,071 to $135,589. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 River Dr, Stanford, KY last sell?

195 River Dr, Stanford, KY last sold on Dec 27, 2006 for $70,000, according to the county's recorded deed.

How big is 195 River Dr, Stanford, KY?

195 River Dr, Stanford, KY has 3 bedrooms, 1 bathrooms and 1,100 square feet of living space.

What schools serve 195 River Dr, Stanford, KY?

195 River Dr, Stanford, KY is assigned to Lincoln County Middle School (middle), rated D; Lincoln County High School (high), rated C; Stanford Elementary School (elementary), rated B-. All sit in Lincoln County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 River Dr, Stanford, KY compare to other homes in Stanford 40484?

Among the 5,162 homes in Stanford 40484, it is worth more than 13% of them ($123,330 against a typical $210,908), its price per square foot is higher than 21% of them ($112 against a typical $143) and it is bigger than 20% of them (1,100 ft² against a typical 1,408 ft²). Measured against all of Lincoln County, it is worth more than 18% 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 195 River Dr, Stanford, KY?

The 2024 property tax bill for 195 River Dr, Stanford, KY was $362. The county assessed it at $82,000.

Closest homes

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Assigned schools

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