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Residential (General/Single)Residential
$20,442
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 66How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

312 COMMERCE ST

HARDIN, KY 42048
0
Baths
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$20K
$14K low$27K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$236 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$20,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$20,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$20,000

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.24
76
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
10
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.18 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.Residential (General/Single)
CountyMarshall
Lot (acres)The size of the land the home sits on, from county records.0.22

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

E
South Marshall Elementary SchoolB-
Elementary · Grades PK–5 · 3.0 mi
H
Marshall County High SchoolC-
High · Grades 9–12 · 10.4 mi

District: Marshall County School District

Neighborhood · ZIP 42048These 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.144
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.240

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.1,945
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.68 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$42,141
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,547
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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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

312 Commerce 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 98% of homes in Marshall County
  • Has a smaller lot than 91% of homes in Marshall County

What homes are worth in Hardin 42048

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

This home
$16K$350K

This home is worth more than 6% of homes in Hardin 42048.

How it measures up in Hardin 42048

The dot is this home. The mark in the middle is the typical home in Hardin 42048.

Estimated value$20,442
CheaperTypical $77,838Pricier

Pricier than 6% of homes nearby

Lot size0.22 ac
SmallerTypical 0.55 acBigger

Bigger than 12% of homes nearby

How 312 Commerce St ranks against every home in each area.
MeasureThis homeHardin 42048Marshall County
Estimated valuepricier than$20,4426% of homes2% of homes
Lot sizebigger than0.22 ac12% of homes9% of homes

About 312 Commerce St

How much is 312 Commerce St, Hardin, KY worth?

The TopHap Estimate for 312 Commerce St, Hardin, KY is $20,442 as of Sep 24, 2026. The likely range is $13,592 to $27,292. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 312 Commerce St, Hardin, KY?

312 Commerce St, Hardin, KY is assigned to South Marshall Elementary School (elementary), rated B-; Marshall County High School (high), rated C-. All sit in Marshall County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 312 Commerce St, Hardin, KY compare to other homes in Hardin 42048?

Among the 1,023 homes in Hardin 42048, it is worth more than 6% of them ($20,442 against a typical $77,838) and its lot is bigger than 12% of them (0.22 ac against a typical 0.55 ac). Measured against all of Marshall County, it is worth more than 2% 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 312 Commerce St, Hardin, KY?

The 2024 property tax bill for 312 Commerce St, Hardin, KY was $236. The county assessed it at $20,000.

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See this home in context

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