Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$201,753
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 96How 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

2338 RIDGE RD

PENDLETON, KY 40055
0
Baths
12.74 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$202K
$193K low$210K 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.$101,753
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$81,402
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.49%
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.$100,000
US BANK NA · recorded Feb 7, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,711 (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.$135,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$80,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$120,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$135,000

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.23
84
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
15
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.41 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.12.74

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 · 8.4 mi
E
Buckner Elementary SchoolA
Elementary · Grades KG–5 · 8.6 mi
M
Oldham County Middle SchoolA-
Middle · Grades 6–8 · 8.6 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

2338 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 97% of homes in Oldham County
  • Has a bigger lot than 96% of homes in Oldham County

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
$79K$846K

This home is worth more than 21% 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$201,753
CheaperTypical $315,661Pricier

Pricier than 21% of homes nearby

Lot size12.74 ac
SmallerTypical 4.16 acBigger

Bigger than 85% of homes nearby

How 2338 Ridge Rd ranks against every home in each area.
MeasureThis homePendleton 40055Oldham County
Estimated valuepricier than$201,75321% of homes3% of homes
Lot sizebigger than12.74 ac85% of homes96% of homes

About 2338 Ridge Rd

How much is 2338 Ridge Rd, Pendleton, KY worth?

The TopHap Estimate for 2338 Ridge Rd, Pendleton, KY is $201,753 as of Jul 14, 2026. The likely range is $193,237 to $210,269. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 2338 Ridge Rd, Pendleton, KY?

2338 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 2338 Ridge Rd, Pendleton, KY compare to other homes in Pendleton 40055?

Among the 819 homes in Pendleton 40055, it is worth more than 21% of them ($201,753 against a typical $315,661) and its lot is bigger than 85% of them (12.74 ac against a typical 4.16 ac). Measured against all of Oldham County, it is worth more than 3% 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 2338 Ridge Rd, Pendleton, KY?

The 2025 property tax bill for 2338 Ridge Rd, Pendleton, KY was $1,711. The county assessed it at $135,000.

Closest homes

More homes in Pendleton 40055

Assigned schools

Explore the area

See this home in context

Open 2338 Ridge Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map