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Single Family ResidenceResidential
$86,986$134 / 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 77How 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

232 OAK ST

RUSSELL SPRINGS, KY 42642
3
Beds
1
Baths
648 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.
0.75 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.

Valuation

$87K
$67K low$107K 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.$73,179
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$58,543
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.15%
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.$13,807
BANK OF JAMESTOWN · recorded Sep 10, 2007

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$31,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$31,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$31,000

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.58
59
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
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.
20
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.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyRussell
Lot (acres)The size of the land the home sits on, from county records.0.75
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.Oil
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 144 ft²

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

H
Russell County High SchoolC-
High · Grades 9–12 · 1.3 mi
M
Russell County Middle SchoolB
Middle · Grades 6–8 · 1.4 mi
E
Russell Springs Elementary SchoolA-
Elementary · Grades PK–5 · 2.6 mi

District: Russell County School District

Neighborhood · ZIP 42642These 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.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.130
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.82%
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.18%
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.13,388
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.92 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,386
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,857
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.54 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

232 Oak St 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 Russell Springs 42642
  • Smaller than 97% of homes in Russell Springs 42642
  • Has a smaller lot than 75% of homes in Russell Springs 42642

What homes are worth in Russell Springs 42642

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

This home
$18K$503K

This home is worth more than 22% of homes in Russell Springs 42642.

How it measures up in Russell Springs 42642

The dot is this home. The mark in the middle is the typical home in Russell Springs 42642.

Estimated value$86,986
CheaperTypical $152,000Pricier

Pricier than 22% of homes nearby

Price per ft²$134
CheaperTypical $131Pricier

Pricier than 53% of homes nearby

Living area648 ft²
SmallerTypical 1,250 ft²Bigger

Bigger than 3% of homes nearby

Lot size0.75 ac
SmallerTypical 1.5 acBigger

Bigger than 25% of homes nearby

How 232 Oak St ranks against every home in each area.
MeasureThis homeRussell Springs 42642Russell County
Estimated valuepricier than$86,98622% of homes27% of homes
Price per ft²pricier than$13453% of homes50% of homes
Living areabigger than648 ft²3% of homes5% of homes
Lot sizebigger than0.75 ac25% of homes27% of homes

About 232 Oak St

How much is 232 Oak St, Russell Springs, KY worth?

The TopHap Estimate for 232 Oak St, Russell Springs, KY is $86,986 as of Jul 14, 2026. The likely range is $67,318 to $106,654. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 232 Oak St, Russell Springs, KY?

232 Oak St, Russell Springs, KY has 3 bedrooms, 1 bathrooms, 648 square feet of living space and a 0.75-acre lot.

What schools serve 232 Oak St, Russell Springs, KY?

232 Oak St, Russell Springs, KY is assigned to Russell County High School (high), rated C-; Russell County Middle School (middle), rated B; Russell Springs Elementary School (elementary), rated A-. All sit in Russell County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 232 Oak St, Russell Springs, KY compare to other homes in Russell Springs 42642?

Among the 7,486 homes in Russell Springs 42642, it is worth more than 22% of them ($86,986 against a typical $152,000), its price per square foot is higher than 53% of them ($134 against a typical $131), it is bigger than 3% of them (648 ft² against a typical 1,250 ft²) and its lot is bigger than 25% of them (0.75 ac against a typical 1.5 ac). Measured against all of Russell County, it is worth more than 27% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Russell Springs 42642

Assigned schools

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