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Single Family ResidentialResidential
$433,143
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 82How 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 $58,000 on Jul 16, 2020

245 VILLA RAY DR

RADCLIFF, KY 40160
0
Baths
1.84 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$433K
$356K low$511K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$58,000 · Jul 16, 2020
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.178%
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.$493,943
WEST POINT BANK · recorded Jul 16, 2020
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.$285,000
HOME POINT FINANCIAL CORPORATION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,505 (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.$423,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$365,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$423,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$423,500

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.
16
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.9 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
CountyHardin
Lot (acres)The size of the land the home sits on, from county records.1.83
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
North Hardin High SchoolC
High · Grades 9–12 · 1.8 mi
E
Vine Grove Elementary SchoolB+
Elementary · Grades 1–5 · 2.2 mi
M
James T. Alton Middle SchoolC
Middle · Grades 6–8 · 2.3 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

245 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
  • Has a bigger lot than 95% 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
$36K$369K

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$433,143
CheaperTypical $206,351Pricier

Pricier than almost all homes nearby

Lot size1.84 ac
SmallerTypical 0.34 acBigger

Bigger than 95% of homes nearby

How 245 Villa Ray Dr ranks against every home in each area.
MeasureThis homeRadcliff 40160Hardin County
Estimated valuepricier than$433,143almost all homes92% of homes
Lot sizebigger than1.84 ac95% of homes83% of homes

About 245 Villa Ray Dr

How much is 245 Villa Ray Dr, Radcliff, KY worth?

The TopHap Estimate for 245 Villa Ray Dr, Radcliff, KY is $433,143 as of Jul 14, 2026. The likely range is $355,560 to $510,726. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 245 Villa Ray Dr, Radcliff, KY last sell?

245 Villa Ray Dr, Radcliff, KY last sold on Jul 16, 2020 for $58,000, according to the county's recorded deed.

What schools serve 245 Villa Ray Dr, Radcliff, KY?

245 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 245 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 ($433,143 against a typical $206,351) and its lot is bigger than 95% of them (1.84 ac against a typical 0.34 ac). Measured against all of Hardin County, it is worth more than 92% 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 245 Villa Ray Dr, Radcliff, KY?

The 2025 property tax bill for 245 Villa Ray Dr, Radcliff, KY was $3,505. The county assessed it at $423,500.

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Assigned schools

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