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Single Family ResidentialResidential
$492,447$118 / 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 94How 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

226 VILLA RAY DR

RADCLIFF, KY 40160
3
Beds
4 / 1
Baths
4,175 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.
1.59 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$492K
$461K low$523K 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.$181,169
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$144,935
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.62%
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.$271,278
JPMORGAN CHASE BANK NA · recorded Jun 23, 2015
2nd 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.$40,000
FIRST FSB

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,946 (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.$422,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$63,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$359,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$422,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$422,900

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.42
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
87
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
5
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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 Residential
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyHardin
Lot (acres)The size of the land the home sits on, from county records.1.59
HeatingThe type of heating system in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Single
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

Transaction History(3)

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
North Hardin High SchoolC
High · Grades 9–12 · 1.9 mi
E
Vine Grove Elementary SchoolB+
Elementary · Grades 1–5 · 2.1 mi
M
James T. Alton Middle SchoolC
Middle · Grades 6–8 · 2.2 mi

District: Hardin County School District

Neighborhood · ZIP 40160These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
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.90%
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.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.22,717
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.838 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,957
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,705
Average tempThe average temperature here across a full year.56°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.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

226 Villa Ray Dr 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.

  • Among the most valuable homes in Radcliff 40160
  • Costs less per square foot than 83% of homes in Hardin County
  • Among the largest homes in Radcliff 40160
  • Has a bigger lot than 93% of homes in Radcliff 40160
  • Newer than 91% of homes in Radcliff 40160

What homes are worth in Radcliff 40160

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

This home
$39K$370K

This home is worth more than almost all homes in Radcliff 40160.

How it measures up in Radcliff 40160

The dot is this home. The mark in the middle is the typical home in Radcliff 40160.

Estimated value$492,447
CheaperTypical $206,592Pricier

Pricier than almost all homes nearby

Price per ft²$118
CheaperTypical $141Pricier

Pricier than 22% of homes nearby

Living area4,175 ft²
SmallerTypical 1,458 ft²Bigger

Bigger than almost all homes nearby

Lot size1.59 ac
SmallerTypical 0.34 acBigger

Bigger than 93% of homes nearby

Year built2005
OlderTypical 1983Newer

Newer than 91% of homes nearby

How 226 Villa Ray Dr ranks against every home in each area.
MeasureThis homeRadcliff 40160Hardin County
Estimated valuepricier than$492,447almost all homes95% of homes
Price per ft²pricier than$11822% of homes17% of homes
Living areabigger than4,175 ft²almost all homes98% of homes
Lot sizebigger than1.59 ac93% of homes82% of homes
Year builtnewer than200591% of homes86% of homes

About 226 Villa Ray Dr

How much is 226 Villa Ray Dr, Radcliff, KY worth?

The TopHap Estimate for 226 Villa Ray Dr, Radcliff, KY is $492,447 as of Jul 14, 2026. The likely range is $461,405 to $523,489. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 226 Villa Ray Dr, Radcliff, KY?

226 Villa Ray Dr, Radcliff, KY has 3 bedrooms, 4 bathrooms, 4,175 square feet of living space and a 1.59-acre lot.

When was 226 Villa Ray Dr, Radcliff, KY built?

226 Villa Ray Dr, Radcliff, KY was built in 2005, making it 21 years old. It is a ranch home. The building has 1 story.

What schools serve 226 Villa Ray Dr, Radcliff, KY?

226 Villa Ray Dr, Radcliff, KY is assigned to North Hardin High School (high), rated C; Vine Grove Elementary School (elementary), rated B+; James T. Alton Middle School (middle), rated C. All sit in Hardin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 226 Villa Ray Dr, Radcliff, KY compare to other homes in Radcliff 40160?

Among the 8,050 homes in Radcliff 40160, it is worth more than almost all of them ($492,447 against a typical $206,592), its price per square foot is higher than 22% of them ($118 against a typical $141), it is bigger than almost all of them (4,175 ft² against a typical 1,458 ft²), its lot is bigger than 93% of them (1.59 ac against a typical 0.34 ac) and it is newer than 91% of them (2005 against a typical 1983). Measured against all of Hardin 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 226 Villa Ray Dr, Radcliff, KY?

The 2025 property tax bill for 226 Villa Ray Dr, Radcliff, KY was $3,946. The county assessed it at $422,900.

Closest homes

More homes in Radcliff 40160

Assigned schools

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