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Single Family ResidenceResidential
$378,385$285 / 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 92How 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

3732 STATE ROUTE 81

CENTRAL CITY, KY 42330
1
Baths
1,328 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.
5 ac
Lot SizeThe size of the land the home sits on, from 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

$378K
$347K low$409K 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.$155,738
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$124,590
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.63%
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.$222,647
SWIFT HOME LOANS INC · recorded Oct 10, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,564 (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.$271,900 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$271,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$271,900

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.56
1
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.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
61
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyMuhlenberg
Lot (acres)The size of the land the home sits on, from county records.5.00
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
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.

E
Bremen Elementary SchoolC-
Elementary · Grades PK–5 · 1.3 mi
M
Muhlenberg County Middle SchoolC+
Middle · Grades 6–8 · 8.8 mi
H
Muhlenberg County High SchoolC
High · Grades 9–12 · 9.1 mi

District: Muhlenberg County School District

Neighborhood · ZIP 42330These 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.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.99

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.10,358
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.104 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,538
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,124
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

3732 State Route 81 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 97% of homes in Central City 42330
  • Among the highest price per square foot in Central City 42330
  • Has a bigger lot than 87% of homes in Central City 42330

What homes are worth in Central City 42330

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

This home
$24K$454K

This home is worth more than 97% of homes in Central City 42330.

How it measures up in Central City 42330

The dot is this home. The mark in the middle is the typical home in Central City 42330.

Estimated value$378,385
CheaperTypical $124,280Pricier

Pricier than 97% of homes nearby

Price per ft²$285
CheaperTypical $101Pricier

Pricier than almost all homes nearby

Living area1,328 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 55% of homes nearby

Lot size5 ac
SmallerTypical 0.87 acBigger

Bigger than 87% of homes nearby

How 3732 State Route 81 ranks against every home in each area.
MeasureThis homeCentral City 42330Muhlenberg County
Estimated valuepricier than$378,38597% of homes96% of homes
Price per ft²pricier than$285almost all homes98% of homes
Living areabigger than1,328 ft²55% of homes54% of homes
Lot sizebigger than5 ac87% of homes81% of homes

About 3732 State Route 81

How much is 3732 State Route 81, Central City, KY worth?

The TopHap Estimate for 3732 State Route 81, Central City, KY is $378,385 as of Jul 14, 2026. The likely range is $347,464 to $409,306. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3732 State Route 81, Central City, KY?

3732 State Route 81, Central City, KY has 1 bathrooms, 1,328 square feet of living space and a 5.00-acre lot.

What schools serve 3732 State Route 81, Central City, KY?

3732 State Route 81, Central City, KY is assigned to Bremen Elementary School (elementary), rated C-; Muhlenberg County Middle School (middle), rated C+; Muhlenberg County High School (high), rated C. All sit in Muhlenberg County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3732 State Route 81, Central City, KY compare to other homes in Central City 42330?

Among the 4,427 homes in Central City 42330, it is worth more than 97% of them ($378,385 against a typical $124,280), its price per square foot is higher than almost all of them ($285 against a typical $101), it is bigger than 55% of them (1,328 ft² against a typical 1,280 ft²) and its lot is bigger than 87% of them (5 ac against a typical 0.87 ac). Measured against all of Muhlenberg 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 3732 State Route 81, Central City, KY?

The 2025 property tax bill for 3732 State Route 81, Central City, KY was $2,564. The county assessed it at $271,900.

Closest homes

More homes in Central City 42330

Assigned schools

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