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Single Family ResidenceResidential
$143,379$57 / 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 78How 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 $87,500 on Feb 25, 2005

23 RIVER RD

BANNER, KY 41603
5
Beds
2
Baths
2,496 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.

Valuation

$143K
$111K low$176K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$87,500 · Feb 25, 2005
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.$53,379
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$42,703
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.52%
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.$70,000
COMMUNITY TRUST BANK INC · recorded Oct 19, 2011
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.$20,000
COMMUNITY TRUST BANK INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$431 (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.$85,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$60,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$85,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$85,000

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.197 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
CountyFloyd
Lot (acres)The size of the land the home sits on, from county records.2.00
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.Metal
HeatingThe type of heating system in the home.Gas
CoolingThe type of cooling or air conditioning in the home.Wall Unit

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.

E
Allen Elementary SchoolC+
Elementary · Grades PK–8 · 2.2 mi
H
Home Instruction High School
High · Grades 9–12 · 6.1 mi

District: Floyd County School District

Neighborhood · ZIP 41603These 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.96
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.138
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.9.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.34%
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.1,204
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.97 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,777
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$55,412
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

23 River 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 more than 84% of homes in Floyd County
  • Costs less per square foot than 76% of homes in Banner 41603
  • Bigger than 93% of homes in Floyd County
  • Has a bigger lot than 69% of homes in Floyd County

What homes are worth in Banner 41603

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

This home
$16K$428K

This home is worth more than 67% of homes in Banner 41603.

How it measures up in Banner 41603

The dot is this home. The mark in the middle is the typical home in Banner 41603.

Estimated value$143,379
CheaperTypical $88,895Pricier

Pricier than 67% of homes nearby

Price per ft²$57
CheaperTypical $83Pricier

Pricier than 24% of homes nearby

Living area2,496 ft²
SmallerTypical 1,284 ft²Bigger

Bigger than 90% of homes nearby

Lot size2 ac
SmallerTypical 1 acBigger

Bigger than 66% of homes nearby

How 23 River Rd ranks against every home in each area.
MeasureThis homeBanner 41603Floyd County
Estimated valuepricier than$143,37967% of homes84% of homes
Price per ft²pricier than$5724% of homes47% of homes
Living areabigger than2,496 ft²90% of homes93% of homes
Lot sizebigger than2 ac66% of homes69% of homes

About 23 River Rd

How much is 23 River Rd, Banner, KY worth?

The TopHap Estimate for 23 River Rd, Banner, KY is $143,379 as of Jul 14, 2026. The likely range is $111,251 to $175,507. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 23 River Rd, Banner, KY last sell?

23 River Rd, Banner, KY last sold on Feb 25, 2005 for $87,500, according to the county's recorded deed.

How big is 23 River Rd, Banner, KY?

23 River Rd, Banner, KY has 5 bedrooms, 2 bathrooms, 2,496 square feet of living space and a 2.00-acre lot.

What schools serve 23 River Rd, Banner, KY?

23 River Rd, Banner, KY is assigned to Allen Elementary School (elementary), rated C+; Home Instruction High School (high). All sit in Floyd County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 23 River Rd, Banner, KY compare to other homes in Banner 41603?

Among the 795 homes in Banner 41603, it is worth more than 67% of them ($143,379 against a typical $88,895), its price per square foot is higher than 24% of them ($57 against a typical $83), it is bigger than 90% of them (2,496 ft² against a typical 1,284 ft²) and its lot is bigger than 66% of them (2 ac against a typical 1 ac). Measured against all of Floyd County, it is worth more than 84% 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 23 River Rd, Banner, KY?

The 2025 property tax bill for 23 River Rd, Banner, KY was $431. The county assessed it at $85,000.

Closest homes

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Assigned schools

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