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Rural ResidenceResidential
$254,885$351 / 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 83How 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

3520 STATE ROUTE 81 S

RUMSEY, KY 42371
3
Beds
2
Baths
726 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.
285 ac
Lot SizeThe size of the land the home sits on, from county records.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$255K
$213K low$297K 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.$254,885
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$203,908

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,875 (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.$268,750 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$113,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$155,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$253,750
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$268,750

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.170 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Rural Residence
CountyMcLean
Lot (acres)The size of the land the home sits on, from county records.285.00
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.Electric
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

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

H
McLean County High SchoolC
High · Grades 9–12 · 4.8 mi
M
McLean County Middle SchoolB+
Middle · Grades 6–8 · 4.8 mi
E
Marie Gatton Phillips Elementary SchoolC
Elementary · Grades PK–5 · 4.8 mi

District: McLean County School District

Neighborhood · ZIP 42371These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.120

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.1,073
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.28 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,354
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,189
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

3520 State Route 81 S 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 93% of homes in Rumsey 42371
  • Costs more per square foot than 92% of homes in McLean County
  • Smaller than 74% of homes in McLean County
  • Among the largest lots in McLean County

What homes are worth in Rumsey 42371

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

This home
$33K$361K

This home is worth more than 93% of homes in Rumsey 42371.

How it measures up in Rumsey 42371

The dot is this home. The mark in the middle is the typical home in Rumsey 42371.

Estimated value$254,885
CheaperTypical $129,998Pricier

Pricier than 93% of homes nearby

Price per ft²$351
CheaperTypical $199Pricier

Pricier than 84% of homes nearby

Living area726 ft²
SmallerTypical 780 ft²Bigger

Bigger than 46% of homes nearby

Lot size285 ac
SmallerTypical 2.19 acBigger

Bigger than 98% of homes nearby

How 3520 State Route 81 S ranks against every home in each area.
MeasureThis homeRumsey 42371McLean County
Estimated valuepricier than$254,88593% of homes89% of homes
Price per ft²pricier than$35184% of homes92% of homes
Living areabigger than726 ft²46% of homes26% of homes
Lot sizebigger than285 ac98% of homesalmost all homes

About 3520 State Route 81 S

How much is 3520 State Route 81 S, Rumsey, KY worth?

The TopHap Estimate for 3520 State Route 81 S, Rumsey, KY is $254,885 as of Jul 14, 2026. The likely range is $212,614 to $297,156. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3520 State Route 81 S, Rumsey, KY?

3520 State Route 81 S, Rumsey, KY has 3 bedrooms, 2 bathrooms, 726 square feet of living space and a 285.00-acre lot.

What schools serve 3520 State Route 81 S, Rumsey, KY?

3520 State Route 81 S, Rumsey, KY is assigned to McLean County High School (high), rated C; McLean County Middle School (middle), rated B+; Marie Gatton Phillips Elementary School (elementary), rated C. All sit in McLean County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3520 State Route 81 S, Rumsey, KY compare to other homes in Rumsey 42371?

Among the 330 homes in Rumsey 42371, it is worth more than 93% of them ($254,885 against a typical $129,998), its price per square foot is higher than 84% of them ($351 against a typical $199), it is bigger than 46% of them (726 ft² against a typical 780 ft²) and its lot is bigger than 98% of them (285 ac against a typical 2.19 ac). Measured against all of McLean County, it is worth more than 89% 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 3520 State Route 81 S, Rumsey, KY?

The 2025 property tax bill for 3520 State Route 81 S, Rumsey, KY was $2,875. The county assessed it at $268,750.

More homes on State Route 81 S

Closest homes

More homes in Rumsey 42371

Assigned schools

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