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Single Family ResidenceResidential
$167,417$140 / 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 80How 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

195 STEPHENS RIDGE RD

RUSSELL SPRINGS, KY 42642
3
Beds
1
Baths
1,196 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.
1.97 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$167K
$134K low$201K 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.$117,417
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$93,934
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.33%
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.$50,000
CITIZENS BANK · recorded Jun 5, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$287 (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.$80,000 (2025)
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$80,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyRUSSELL
Lot (acres)The size of the land the home sits on, from county records.1.97
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, 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.Porch · 168 ft²

Transaction History(2)

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.

H
Russell County High SchoolC-
High · Grades 9–12 · 2.7 mi
M
Russell County Middle SchoolB
Middle · Grades 6–8 · 2.7 mi
E
Jamestown Elementary SchoolB-
Elementary · Grades PK–5 · 3.1 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.Yes

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 Stephens Ridge Rd 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.

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
$17K$468K

This home is worth more than 58% 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$167,417
CheaperTypical $150,841Pricier

Pricier than 58% of homes nearby

Price per ft²$140
CheaperTypical $132Pricier

Pricier than 58% of homes nearby

Living area1,196 ft²
SmallerTypical 1,248 ft²Bigger

Bigger than 44% of homes nearby

Lot size1.97 ac
SmallerTypical 1.5 acBigger

Bigger than 57% of homes nearby

How 195 Stephens Ridge Rd ranks against every home in each area.
MeasureThis homeRussell Springs 42642Russell County
Estimated valuepricier than$167,41758% of homes61% of homes
Price per ft²pricier than$14058% of homes55% of homes
Living areabigger than1,196 ft²44% of homes46% of homes
Lot sizebigger than1.97 ac57% of homes60% of homes

About 195 Stephens Ridge Rd

How much is 195 Stephens Ridge Rd, Russell Springs, KY worth?

The TopHap Estimate for 195 Stephens Ridge Rd, Russell Springs, KY is $167,417 as of Jul 14, 2026. The likely range is $134,161 to $200,673. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Stephens Ridge Rd, Russell Springs, KY last sell?

195 Stephens Ridge Rd, Russell Springs, KY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 195 Stephens Ridge Rd, Russell Springs, KY?

195 Stephens Ridge Rd, Russell Springs, KY has 3 bedrooms, 1 bathrooms, 1,196 square feet of living space and a 1.97-acre lot.

What schools serve 195 Stephens Ridge Rd, Russell Springs, KY?

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

How does 195 Stephens Ridge Rd, 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 58% of them ($167,417 against a typical $150,841), its price per square foot is higher than 58% of them ($140 against a typical $132), it is bigger than 44% of them (1,196 ft² against a typical 1,248 ft²) and its lot is bigger than 57% of them (1.97 ac against a typical 1.5 ac). Measured against all of Russell County, it is worth more than 61% 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 Stephens Ridge Rd, Russell Springs, KY?

The 2025 property tax bill for 195 Stephens Ridge Rd, Russell Springs, KY was $287. The county assessed it at $80,000.

Closest homes

More homes in Russell Springs 42642

Assigned schools

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