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Single Family ResidenceResidential
$432,449$230 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

2109 CARDINAL HARBOUR RD

PROSPECT, KY 40059
3
Beds
2
Baths
1,877 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.
1.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$432K
$376K low$489K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,233 (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.$340,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$260,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$340,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$340,000

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.103 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.1 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
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.1.19
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.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

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
North Oldham Middle SchoolA
Middle · Grades 6–8 · 2.3 mi
H
North Oldham High SchoolA+
High · Grades 9–12 · 2.4 mi
E
Harmony Elementary SchoolA
Elementary · Grades KG–5 · 2.5 mi

District: Oldham County School District

Neighborhood · ZIP 40059These 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.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.20,754
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.687 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$161,695
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$242,554
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

2109 Cardinal Harbour 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.

  • Worth less than 78% of homes in Prospect 40059
  • Smaller than 78% of homes in Prospect 40059
  • Has a bigger lot than 86% of homes in Prospect 40059
  • Older than 71% of homes in Prospect 40059

What homes are worth in Prospect 40059

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

This home
$51K$1.9M

This home is worth more than 22% of homes in Prospect 40059.

How it measures up in Prospect 40059

The dot is this home. The mark in the middle is the typical home in Prospect 40059.

Estimated value$432,449
CheaperTypical $636,562Pricier

Pricier than 22% of homes nearby

Price per ft²$230
CheaperTypical $218Pricier

Pricier than 58% of homes nearby

Living area1,877 ft²
SmallerTypical 2,659 ft²Bigger

Bigger than 22% of homes nearby

Lot size1.19 ac
SmallerTypical 0.39 acBigger

Bigger than 86% of homes nearby

Year built1984
OlderTypical 1994Newer

Newer than 29% of homes nearby

How 2109 Cardinal Harbour Rd ranks against every home in each area.
MeasureThis homeProspect 40059Oldham County
Estimated valuepricier than$432,44922% of homes49% of homes
Price per ft²pricier than$23058% of homes59% of homes
Living areabigger than1,877 ft²22% of homes47% of homes
Lot sizebigger than1.19 ac86% of homes70% of homes
Year builtnewer than198429% of homes33% of homes

About 2109 Cardinal Harbour Rd

How much is 2109 Cardinal Harbour Rd, Prospect, KY worth?

The TopHap Estimate for 2109 Cardinal Harbour Rd, Prospect, KY is $432,449 as of Aug 30, 2026. The likely range is $375,725 to $489,173. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 2109 Cardinal Harbour Rd, Prospect, KY?

2109 Cardinal Harbour Rd, Prospect, KY has 3 bedrooms, 2 bathrooms, 1,877 square feet of living space and a 1.19-acre lot.

When was 2109 Cardinal Harbour Rd, Prospect, KY built?

2109 Cardinal Harbour Rd, Prospect, KY was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 2109 Cardinal Harbour Rd, Prospect, KY?

2109 Cardinal Harbour Rd, Prospect, KY is assigned to North Oldham Middle School (middle), rated A; North Oldham High School (high), rated A+; Harmony Elementary School (elementary), rated A. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2109 Cardinal Harbour Rd, Prospect, KY compare to other homes in Prospect 40059?

Among the 8,613 homes in Prospect 40059, it is worth more than 22% of them ($432,449 against a typical $636,562), its price per square foot is higher than 58% of them ($230 against a typical $218), it is bigger than 22% of them (1,877 ft² against a typical 2,659 ft²), its lot is bigger than 86% of them (1.19 ac against a typical 0.39 ac) and it is newer than 29% of them (1984 against a typical 1994). Measured against all of Oldham County, it is worth more than 49% 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 2109 Cardinal Harbour Rd, Prospect, KY?

The 2025 property tax bill for 2109 Cardinal Harbour Rd, Prospect, KY was $4,233. The county assessed it at $340,000.

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