Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$274,052$119 / 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 94How 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 $6,975 on Apr 1, 1988

38 RUSSELL ST

CLAY, KY 42404
3
Beds
3 / 1
Baths
2,305 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.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
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

$274K
$258K low$290K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$6,975 · Apr 1, 1988
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.$92,727
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$74,182
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.78%
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.$87,720
OLD NATIONAL BANK · recorded Apr 18, 2011
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.$60,000
OLD NATIONAL BANK
3rd 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.$33,605

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,332 (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.$167,800 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$167,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$167,800

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
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.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyWebster
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 170 ft²Outdoor kitchen

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

E
Clay Elementary SchoolA-
Elementary · Grades PK–6 · 0.7 mi
H
Webster County High SchoolC-
High · Grades 9–12 · 5.8 mi

District: Webster County School District

Neighborhood · ZIP 42404These 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.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.175

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.7.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.2,621
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,692
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,788
Average tempThe average temperature here across a full year.57°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%

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

38 Russell St 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 92% of homes in Clay 42404
  • Costs more per square foot than 85% of homes in Clay 42404
  • Bigger than 92% of homes in Webster County

What homes are worth in Clay 42404

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

This home
$35K$375K

This home is worth more than 92% of homes in Clay 42404.

How it measures up in Clay 42404

The dot is this home. The mark in the middle is the typical home in Clay 42404.

Estimated value$274,052
CheaperTypical $117,718Pricier

Pricier than 92% of homes nearby

Price per ft²$119
CheaperTypical $90Pricier

Pricier than 85% of homes nearby

Living area2,305 ft²
SmallerTypical 1,356 ft²Bigger

Bigger than 91% of homes nearby

Year built1990
OlderTypical 1994Newer

Newer than 37% of homes nearby

How 38 Russell St ranks against every home in each area.
MeasureThis homeClay 42404Webster County
Estimated valuepricier than$274,05292% of homes92% of homes
Price per ft²pricier than$11985% of homes79% of homes
Living areabigger than2,305 ft²91% of homes92% of homes
Year builtnewer than199037% of homes36% of homes

About 38 Russell St

How much is 38 Russell St, Clay, KY worth?

The TopHap Estimate for 38 Russell St, Clay, KY is $274,052 as of Jul 14, 2026. The likely range is $258,172 to $289,932. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Russell St, Clay, KY last sell?

38 Russell St, Clay, KY last sold on Apr 1, 1988 for $6,975, according to the county's recorded deed.

How big is 38 Russell St, Clay, KY?

38 Russell St, Clay, KY has 3 bedrooms, 3 bathrooms and 2,305 square feet of living space.

When was 38 Russell St, Clay, KY built?

38 Russell St, Clay, KY was built in 1990, making it 36 years old. The building has 2 stories.

What schools serve 38 Russell St, Clay, KY?

38 Russell St, Clay, KY is assigned to Clay Elementary School (elementary), rated A-; Webster County High School (high), rated C-. All sit in Webster County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Russell St, Clay, KY compare to other homes in Clay 42404?

Among the 1,113 homes in Clay 42404, it is worth more than 92% of them ($274,052 against a typical $117,718), its price per square foot is higher than 85% of them ($119 against a typical $90), it is bigger than 91% of them (2,305 ft² against a typical 1,356 ft²) and it is newer than 37% of them (1990 against a typical 1994). Measured against all of Webster County, it is worth more than 92% 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 38 Russell St, Clay, KY?

The 2025 property tax bill for 38 Russell St, Clay, KY was $1,332. The county assessed it at $167,800.

Closest homes

More homes in Clay 42404

Assigned schools

Explore the area

See this home in context

Open 38 Russell St 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