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Single Family ResidenceResidential
$455,212$204 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

3732 VALLEY CREEK DR

PENDLETON, KY 40055
3
Beds
3 / 1
Baths
2,230 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.
10 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$455K
$416K low$494K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,199 (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.$305,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$205,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$260,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$305,000

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.11 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
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.10.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
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

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

H
Oldham County High SchoolA+
High · Grades 9–12 · 9.2 mi
E
Buckner Elementary SchoolA+
Elementary · Grades KG–5 · 9.3 mi
M
Oldham County Middle SchoolA-
Middle · Grades 6–8 · 9.4 mi

District: Oldham County School District

Neighborhood · ZIP 40055These 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.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.142
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.1,818
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.91 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,029
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,027
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

3732 Valley Creek Dr 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 84% of homes in Pendleton 40055
  • Costs less per square foot than 66% of homes in Oldham County
  • Bigger than 86% of homes in Pendleton 40055
  • Has a bigger lot than 96% of homes in Oldham County
  • Older than 80% of homes in Pendleton 40055

What homes are worth in Pendleton 40055

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

This home
$68K$817K

This home is worth more than 84% of homes in Pendleton 40055.

How it measures up in Pendleton 40055

The dot is this home. The mark in the middle is the typical home in Pendleton 40055.

Estimated value$455,212
CheaperTypical $308,540Pricier

Pricier than 84% of homes nearby

Price per ft²$204
CheaperTypical $205Pricier

Pricier than 49% of homes nearby

Living area2,230 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 86% of homes nearby

Lot size10 ac
SmallerTypical 3.98 acBigger

Bigger than 82% of homes nearby

Year built1980
OlderTypical 1997Newer

Newer than 20% of homes nearby

How 3732 Valley Creek Dr ranks against every home in each area.
MeasureThis homePendleton 40055Oldham County
Estimated valuepricier than$455,21284% of homes54% of homes
Price per ft²pricier than$20449% of homes34% of homes
Living areabigger than2,230 ft²86% of homes63% of homes
Lot sizebigger than10 ac82% of homes96% of homes
Year builtnewer than198020% of homes30% of homes

About 3732 Valley Creek Dr

How much is 3732 Valley Creek Dr, Pendleton, KY worth?

The TopHap Estimate for 3732 Valley Creek Dr, Pendleton, KY is $455,212 as of Oct 21, 2026. The likely range is $416,004 to $494,420. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3732 Valley Creek Dr, Pendleton, KY?

3732 Valley Creek Dr, Pendleton, KY has 3 bedrooms, 3 bathrooms, 2,230 square feet of living space and a 10.00-acre lot.

When was 3732 Valley Creek Dr, Pendleton, KY built?

3732 Valley Creek Dr, Pendleton, KY was built in 1980, making it 46 years old. The building has 2 stories.

What schools serve 3732 Valley Creek Dr, Pendleton, KY?

3732 Valley Creek Dr, Pendleton, KY is assigned to Oldham County High School (high), rated A+; Buckner Elementary School (elementary), rated A+; Oldham County Middle School (middle), rated A-. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3732 Valley Creek Dr, Pendleton, KY compare to other homes in Pendleton 40055?

Among the 818 homes in Pendleton 40055, it is worth more than 84% of them ($455,212 against a typical $308,540), its price per square foot is higher than 49% of them ($204 against a typical $205), it is bigger than 86% of them (2,230 ft² against a typical 1,620 ft²), its lot is bigger than 82% of them (10 ac against a typical 3.98 ac) and it is newer than 20% of them (1980 against a typical 1997). Measured against all of Oldham County, it is worth more than 54% 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 Valley Creek Dr, Pendleton, KY?

The 2025 property tax bill for 3732 Valley Creek Dr, Pendleton, KY was $3,199. The county assessed it at $305,000.

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