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Single Family ResidenceResidential
$268,231$161 / 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 68How 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 $10,000 on Mar 8, 2019

2232 RIDGE RD

PENDLETON, KY 40055
3
Beds
2
Baths
1,664 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.
6.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$268K
$181K low$355K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$10,000 · Mar 8, 2019
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.$27,231
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$21,785
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.89%
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.$241,000
LOANDEPOT.COM LLC · recorded Jun 10, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,864 (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.$310,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$275,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$285,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$310,000

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.19 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
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.6.12
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
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes

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
Oldham County High SchoolA
High · Grades 9–12 · 8.8 mi
E
Buckner Elementary SchoolA
Elementary · Grades KG–5 · 9.0 mi
M
Oldham County Middle SchoolA-
Middle · Grades 6–8 · 9.0 mi

District: Oldham County School District

Neighborhood · ZIP 40055These 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.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.142
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.12%
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.1.5%
PopulationHow many people live in this area.1,818
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.91 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,029
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,027
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

2232 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.

  • Worth less than 85% of homes in Oldham County
  • Costs less per square foot than 95% of homes in Oldham County
  • Smaller than 65% of homes in Oldham County
  • Has a bigger lot than 94% of homes in Oldham County
  • Newer than 83% of homes in Pendleton 40055

What homes are worth in Pendleton 40055

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

This home
$80K$824K

This home is worth more than 36% of homes in Pendleton 40055.

How it measures up in Pendleton 40055

The dot is this home. The mark in the middle is the typical home in Pendleton 40055.

Estimated value$268,231
CheaperTypical $315,306Pricier

Pricier than 36% of homes nearby

Price per ft²$161
CheaperTypical $209Pricier

Pricier than 20% of homes nearby

Living area1,664 ft²
SmallerTypical 1,612 ft²Bigger

Bigger than 54% of homes nearby

Lot size6.12 ac
SmallerTypical 4.02 acBigger

Bigger than 73% of homes nearby

Year built2003
OlderTypical 1996Newer

Newer than 83% of homes nearby

How 2232 Ridge Rd ranks against every home in each area.
MeasureThis homePendleton 40055Oldham County
Estimated valuepricier than$268,23136% of homes15% of homes
Price per ft²pricier than$16120% of homes5% of homes
Living areabigger than1,664 ft²54% of homes35% of homes
Lot sizebigger than6.12 ac73% of homes94% of homes
Year builtnewer than200383% of homes82% of homes

About 2232 Ridge Rd

How much is 2232 Ridge Rd, Pendleton, KY worth?

The TopHap Estimate for 2232 Ridge Rd, Pendleton, KY is $268,231 as of Jul 14, 2026. The likely range is $181,420 to $355,042. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2232 Ridge Rd, Pendleton, KY last sell?

2232 Ridge Rd, Pendleton, KY last sold on Mar 8, 2019 for $10,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2232 Ridge Rd, Pendleton, KY?

2232 Ridge Rd, Pendleton, KY has 3 bedrooms, 2 bathrooms, 1,664 square feet of living space and a 6.12-acre lot.

When was 2232 Ridge Rd, Pendleton, KY built?

2232 Ridge Rd, Pendleton, KY was built in 2003, making it 23 years old. The building has 1 story.

What schools serve 2232 Ridge Rd, Pendleton, KY?

2232 Ridge Rd, Pendleton, KY is assigned to Oldham County High School (high), rated A; Buckner Elementary School (elementary), rated A; Oldham County Middle School (middle), rated A-. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2232 Ridge Rd, Pendleton, KY compare to other homes in Pendleton 40055?

Among the 819 homes in Pendleton 40055, it is worth more than 36% of them ($268,231 against a typical $315,306), its price per square foot is higher than 20% of them ($161 against a typical $209), it is bigger than 54% of them (1,664 ft² against a typical 1,612 ft²), its lot is bigger than 73% of them (6.12 ac against a typical 4.02 ac) and it is newer than 83% of them (2003 against a typical 1996). Measured against all of Oldham County, it is worth more than 15% 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 2232 Ridge Rd, Pendleton, KY?

The 2025 property tax bill for 2232 Ridge Rd, Pendleton, KY was $3,864. The county assessed it at $310,000.

Closest homes

More homes in Pendleton 40055

Assigned schools

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