Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$187,534$195 / 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 86How 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 $145,000 on Jul 16, 2024

20 OAK ST

RUSSELL SPRINGS, KY 42642
3
Beds
1
Baths
960 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.
0.6 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

$188K
$162K low$213K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$145,000 · Jul 16, 2024
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.$41,070
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,856
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.78%
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.$146,464
FIRST NATIONAL BANK OF RUSSELL SPRI · recorded Jul 16, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,345 (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.$145,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$125,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$145,000

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.
32
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.
20
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
CountyRUSSELL
Lot (acres)The size of the land the home sits on, from county records.0.60
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
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.Patio · 168 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.

H
Russell County High SchoolC-
High · Grades 9–12 · 1.4 mi
M
Russell County Middle SchoolB
Middle · Grades 6–8 · 1.5 mi
E
Russell Springs Elementary SchoolA-
Elementary · Grades PK–5 · 2.6 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.Absentee owner
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

20 Oak St 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 86% of homes in Russell Springs 42642
  • Smaller than 80% of homes in Russell Springs 42642
  • Has a smaller lot than 82% 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
$16K$480K

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$187,534
CheaperTypical $150,923Pricier

Pricier than 65% of homes nearby

Price per ft²$195
CheaperTypical $132Pricier

Pricier than 86% of homes nearby

Living area960 ft²
SmallerTypical 1,248 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.6 ac
SmallerTypical 1.5 acBigger

Bigger than 18% of homes nearby

How 20 Oak St ranks against every home in each area.
MeasureThis homeRussell Springs 42642Russell County
Estimated valuepricier than$187,53465% of homes67% of homes
Price per ft²pricier than$19586% of homes83% of homes
Living areabigger than960 ft²20% of homes23% of homes
Lot sizebigger than0.6 ac18% of homes21% of homes

About 20 Oak St

How much is 20 Oak St, Russell Springs, KY worth?

The TopHap Estimate for 20 Oak St, Russell Springs, KY is $187,534 as of Jul 14, 2026. The likely range is $161,959 to $213,109. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Oak St, Russell Springs, KY last sell?

20 Oak St, Russell Springs, KY last sold on Jul 16, 2024 for $145,000, according to the county's recorded deed.

How big is 20 Oak St, Russell Springs, KY?

20 Oak St, Russell Springs, KY has 3 bedrooms, 1 bathrooms, 960 square feet of living space and a 0.60-acre lot.

What schools serve 20 Oak St, Russell Springs, KY?

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

How does 20 Oak St, 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 ($187,534 against a typical $150,923), its price per square foot is higher than 86% of them ($195 against a typical $132), it is bigger than 20% of them (960 ft² against a typical 1,248 ft²) and its lot is bigger than 18% of them (0.6 ac against a typical 1.5 ac). 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 20 Oak St, Russell Springs, KY?

The 2025 property tax bill for 20 Oak St, Russell Springs, KY was $1,345. The county assessed it at $145,000.

Closest homes

More homes in Russell Springs 42642

Assigned schools

Explore the area

See this home in context

Open 20 Oak St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map