Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$247,977$10 / 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 33How 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 $120,000 on Sep 1, 1997

328 RIVER RD

BANNER, KY 41603
0
Baths
25,500 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.
0.59 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$248K
$83K low$413K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,000 · Sep 1, 1997
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.$68,777
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$55,022
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.91%
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.$129,200
COMMUNITY TRUST BANK INC · recorded Apr 16, 2012
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.$50,000
COMMONWEALTH CREDIT UNION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,680 (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.$140,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$110,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$140,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$140,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.175 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 Residential
CountyFloyd
Lot (acres)The size of the land the home sits on, from county records.0.58
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.Composition Shingle
HeatingThe type of heating system in the home.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Central

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

H
Betsy Layne High SchoolD
High · Grades 9–12 · 4.2 mi
E
Betsy Layne Elementary SchoolD
Elementary · Grades PK–8 · 4.7 mi

District: Floyd County School District

Neighborhood · ZIP 41603These 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.96
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.138
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.34%
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.1,204
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.97 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,777
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$55,412
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

328 River 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 more than 96% of homes in Floyd County
  • Among the lowest price per square foot in Floyd County
  • Among the largest homes in Banner 41603
  • Has a smaller lot than 65% of homes in Banner 41603

What homes are worth in Banner 41603

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

This home
$16K$428K

This home is worth more than 87% of homes in Banner 41603.

How it measures up in Banner 41603

The dot is this home. The mark in the middle is the typical home in Banner 41603.

Estimated value$247,977
CheaperTypical $88,895Pricier

Pricier than 87% of homes nearby

Price per ft²$10
CheaperTypical $83Pricier

Pricier than 2% of homes nearby

Living area25,500 ft²
SmallerTypical 1,284 ft²Bigger

Bigger than almost all homes nearby

Lot size0.59 ac
SmallerTypical 1 acBigger

Bigger than 35% of homes nearby

Year built1978
OlderTypical 1985Newer

Newer than 36% of homes nearby

How 328 River Rd ranks against every home in each area.
MeasureThis homeBanner 41603Floyd County
Estimated valuepricier than$247,97787% of homes96% of homes
Price per ft²pricier than$102% of homesalmost no homes
Living areabigger than25,500 ft²almost all homesalmost all homes
Lot sizebigger than0.59 ac35% of homes43% of homes
Year builtnewer than197836% of homes44% of homes

About 328 River Rd

How much is 328 River Rd, Banner, KY worth?

The TopHap Estimate for 328 River Rd, Banner, KY is $247,977 as of Jul 14, 2026. The likely range is $82,880 to $413,074. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 328 River Rd, Banner, KY last sell?

328 River Rd, Banner, KY last sold on Sep 1, 1997 for $120,000, according to the county's recorded deed.

How big is 328 River Rd, Banner, KY?

328 River Rd, Banner, KY has 25,500 square feet of living space and a 0.58-acre lot.

When was 328 River Rd, Banner, KY built?

328 River Rd, Banner, KY was built in 1978, making it 48 years old. The building has 1 story.

What schools serve 328 River Rd, Banner, KY?

328 River Rd, Banner, KY is assigned to Betsy Layne High School (high), rated D; Betsy Layne Elementary School (elementary), rated D. All sit in Floyd County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 328 River Rd, Banner, KY compare to other homes in Banner 41603?

Among the 795 homes in Banner 41603, it is worth more than 87% of them ($247,977 against a typical $88,895), its price per square foot is higher than 2% of them ($10 against a typical $83), it is bigger than almost all of them (25,500 ft² against a typical 1,284 ft²), its lot is bigger than 35% of them (0.59 ac against a typical 1 ac) and it is newer than 36% of them (1978 against a typical 1985). Measured against all of Floyd County, it is worth more than 96% 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 328 River Rd, Banner, KY?

The 2025 property tax bill for 328 River Rd, Banner, KY was $1,680. The county assessed it at $140,000.

Closest homes

More homes in Banner 41603

Assigned schools

Explore the area

See this home in context

Open 328 River 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