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Residential (General/Single)Residential
$53,241$44 / 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 71How 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
Last sold for $31,000 on Apr 6, 2016

321 COMMERCE ST

HARDIN, KY 42048
2
Beds
1
Baths
1,200 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.

Valuation

$53K
$38K low$69K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$31,000 · Apr 6, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$418 (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.$36,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$32,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$36,000

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.62
78
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.
92
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. 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.17 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.0.21
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
South Marshall Elementary SchoolB-
Elementary · Grades PK–5 · 2.9 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

321 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 85% of homes in Marshall County
  • Costs less per square foot than 95% of homes in Marshall County
  • Smaller than 72% of homes in Marshall County
  • Has a smaller lot than 91% of homes in Marshall County
  • Older than 87% 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 34% 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$53,241
CheaperTypical $77,838Pricier

Pricier than 34% of homes nearby

Price per ft²$44
CheaperTypical $100Pricier

Pricier than 14% of homes nearby

Living area1,200 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.21 ac
SmallerTypical 0.55 acBigger

Bigger than 12% of homes nearby

Year built1950
OlderTypical 1977Newer

Newer than 16% of homes nearby

How 321 Commerce St ranks against every home in each area.
MeasureThis homeHardin 42048Marshall County
Estimated valuepricier than$53,24134% of homes15% of homes
Price per ft²pricier than$4414% of homes5% of homes
Living areabigger than1,200 ft²41% of homes28% of homes
Lot sizebigger than0.21 ac12% of homes9% of homes
Year builtnewer than195016% of homes13% of homes

About 321 Commerce St

How much is 321 Commerce St, Hardin, KY worth?

The TopHap Estimate for 321 Commerce St, Hardin, KY is $53,241 as of Sep 24, 2026. The likely range is $37,856 to $68,626. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 321 Commerce St, Hardin, KY last sell?

321 Commerce St, Hardin, KY last sold on Apr 6, 2016 for $31,000, according to the county's recorded deed.

How big is 321 Commerce St, Hardin, KY?

321 Commerce St, Hardin, KY has 2 bedrooms, 1 bathrooms, 1,200 square feet of living space and a 0.21-acre lot.

When was 321 Commerce St, Hardin, KY built?

321 Commerce St, Hardin, KY was built in 1950, making it 76 years old.

What schools serve 321 Commerce St, Hardin, KY?

321 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 321 Commerce St, Hardin, KY compare to other homes in Hardin 42048?

Among the 1,023 homes in Hardin 42048, it is worth more than 34% of them ($53,241 against a typical $77,838), its price per square foot is higher than 14% of them ($44 against a typical $100), it is bigger than 41% of them (1,200 ft² against a typical 1,280 ft²), its lot is bigger than 12% of them (0.21 ac against a typical 0.55 ac) and it is newer than 16% of them (1950 against a typical 1977). Measured against all of Marshall County, it is worth more than 15% 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 321 Commerce St, Hardin, KY?

The 2025 property tax bill for 321 Commerce St, Hardin, KY was $418. The county assessed it at $36,000.

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