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Single Family ResidenceResidential
$311,687$282 / 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 Sep 24, 2026
Last sold for $305,000 on Oct 16, 2025

3640 COTTAGE CIR

LEXINGTON, KY 40513
2
Baths
1,104 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.
4,064 ft²
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$312K
$260K low$363K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$305,000 · Oct 16, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,913 (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.$174,300 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$155,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$174,300

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.51
53
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.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.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 Residence
CountyFayette
Lot (acres)The size of the land the home sits on, from county records.0.09
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 196 ft²

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.

H
Paul Laurence Dunbar High SchoolA-
High · Grades 9–12 · 0.7 mi
E
Rosa Parks Elementary SchoolA-
Elementary · Grades KG–5 · 1.3 mi
M
Beaumont Middle SchoolA-
Middle · Grades 6–8 · 1.7 mi

District: Fayette County School District

Neighborhood · ZIP 40513These 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.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.168
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.49

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.5%
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.11,325
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.767 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,991
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$171,806
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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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

3640 Cottage Cir 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 92% of homes in Lexington 40513
  • Costs more per square foot than 92% of homes in Lexington 40513
  • Among the smallest homes in Lexington 40513
  • Has a smaller lot than 95% of homes in Lexington 40513

What homes are worth in Lexington 40513

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

This home
$267K$1.2M

This home is worth more than 8% of homes in Lexington 40513.

How it measures up in Lexington 40513

The dot is this home. The mark in the middle is the typical home in Lexington 40513.

Estimated value$311,687
CheaperTypical $547,920Pricier

Pricier than 8% of homes nearby

Price per ft²$282
CheaperTypical $220Pricier

Pricier than 92% of homes nearby

Living area1,104 ft²
SmallerTypical 2,530 ft²Bigger

Smaller than almost all homes nearby

Lot size4,064 ft²
SmallerTypical 0.23 acBigger

Bigger than 5% of homes nearby

Year built1992
OlderTypical 1994Newer

Newer than 37% of homes nearby

How 3640 Cottage Cir ranks against every home in each area.
MeasureThis homeLexington 40513Fayette County
Estimated valuepricier than$311,6878% of homes47% of homes
Price per ft²pricier than$28292% of homes90% of homes
Living areabigger than1,104 ft²almost no homes16% of homes
Lot sizebigger than4,064 ft²5% of homes9% of homes
Year builtnewer than199237% of homes62% of homes

About 3640 Cottage Cir

How much is 3640 Cottage Cir, Lexington, KY worth?

The TopHap Estimate for 3640 Cottage Cir, Lexington, KY is $311,687 as of Sep 24, 2026. The likely range is $259,967 to $363,407. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3640 Cottage Cir, Lexington, KY last sell?

3640 Cottage Cir, Lexington, KY last sold on Oct 16, 2025 for $305,000, according to the county's recorded deed.

How big is 3640 Cottage Cir, Lexington, KY?

3640 Cottage Cir, Lexington, KY has 2 bathrooms, 1,104 square feet of living space and a 0.09-acre lot.

When was 3640 Cottage Cir, Lexington, KY built?

3640 Cottage Cir, Lexington, KY was built in 1992, making it 34 years old. The building has 1 story.

What schools serve 3640 Cottage Cir, Lexington, KY?

3640 Cottage Cir, Lexington, KY is assigned to Paul Laurence Dunbar High School (high), rated A-; Rosa Parks Elementary School (elementary), rated A-; Beaumont Middle School (middle), rated A-. All sit in Fayette County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3640 Cottage Cir, Lexington, KY compare to other homes in Lexington 40513?

Among the 3,835 homes in Lexington 40513, it is worth more than 8% of them ($311,687 against a typical $547,920), its price per square foot is higher than 92% of them ($282 against a typical $220), it is bigger than almost none of them (1,104 ft² against a typical 2,530 ft²), its lot is bigger than 5% of them (4,064 ft² against a typical 0.23 ac) and it is newer than 37% of them (1992 against a typical 1994). Measured against all of Fayette County, it is worth more than 47% 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 3640 Cottage Cir, Lexington, KY?

The 2025 property tax bill for 3640 Cottage Cir, Lexington, KY was $1,913. The county assessed it at $174,300.

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