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Single Family ResidenceResidential
$233,920$106 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

20 RAY AVE

HARLAN, KY 40831
4
Beds
2
Baths
2,200 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.
0.88 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$234K
$200K low$268K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,647 (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.$171,950 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$145,950
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$171,950
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$171,950

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.50
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
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.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
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.0.2 percent flood zone

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
CountyHarlan
Lot (acres)The size of the land the home sits on, from county records.0.88
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.Yes
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
James A. Cawood Elementary SchoolB+
Elementary · Grades PK–8 · 1.3 mi
H
Harlan County High SchoolC
High · Grades 9–12 · 6.5 mi

District: Harlan County School District

Neighborhood · ZIP 40831These 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.156
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.126
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.28%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,914
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.74 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$39,200
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$49,977
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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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 Ray Ave 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 95% of homes in Harlan County
  • Costs more per square foot than 89% of homes in Harlan County
  • Bigger than 91% of homes in Harlan County
  • Has a bigger lot than 79% of homes in Harlan 40831
  • Newer than 89% of homes in Harlan County

What homes are worth in Harlan 40831

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

This home
$32K$502K

This home is worth more than 85% of homes in Harlan 40831.

How it measures up in Harlan 40831

The dot is this home. The mark in the middle is the typical home in Harlan 40831.

Estimated value$233,920
CheaperTypical $100,418Pricier

Pricier than 85% of homes nearby

Price per ft²$106
CheaperTypical $71Pricier

Pricier than 77% of homes nearby

Living area2,200 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.88 ac
SmallerTypical 0.33 acBigger

Bigger than 79% of homes nearby

Year built2002
OlderTypical 1970Newer

Newer than 88% of homes nearby

How 20 Ray Ave ranks against every home in each area.
MeasureThis homeHarlan 40831Harlan County
Estimated valuepricier than$233,92085% of homes95% of homes
Price per ft²pricier than$10677% of homes89% of homes
Living areabigger than2,200 ft²84% of homes91% of homes
Lot sizebigger than0.88 ac79% of homes74% of homes
Year builtnewer than200288% of homes89% of homes

About 20 Ray Ave

How much is 20 Ray Ave, Harlan, KY worth?

The TopHap Estimate for 20 Ray Ave, Harlan, KY is $233,920 as of Oct 21, 2026. The likely range is $199,863 to $267,977. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 20 Ray Ave, Harlan, KY?

20 Ray Ave, Harlan, KY has 4 bedrooms, 2 bathrooms, 2,200 square feet of living space and a 0.88-acre lot.

When was 20 Ray Ave, Harlan, KY built?

20 Ray Ave, Harlan, KY was built in 2002, making it 24 years old. The building has 1 story.

What schools serve 20 Ray Ave, Harlan, KY?

20 Ray Ave, Harlan, KY is assigned to James A. Cawood Elementary School (elementary), rated B+; Harlan County High School (high), rated C. All sit in Harlan County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Ray Ave, Harlan, KY compare to other homes in Harlan 40831?

Among the 1,874 homes in Harlan 40831, it is worth more than 85% of them ($233,920 against a typical $100,418), its price per square foot is higher than 77% of them ($106 against a typical $71), it is bigger than 84% of them (2,200 ft² against a typical 1,300 ft²), its lot is bigger than 79% of them (0.88 ac against a typical 0.33 ac) and it is newer than 88% of them (2002 against a typical 1970). Measured against all of Harlan County, it is worth more than 95% 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 Ray Ave, Harlan, KY?

The 2025 property tax bill for 20 Ray Ave, Harlan, KY was $1,647. The county assessed it at $171,950.

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