Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$196,345$135 / 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 88How 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 $75,000 on May 25, 2023

3970 STATE ROUTE 81

CENTRAL CITY, KY 42330
0
Baths
1,458 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.
2.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$196K
$172K low$221K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · May 25, 2023
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.$9,610
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$7,688
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.104%
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.$132,299
OLD NATIONAL BANK · recorded May 25, 2023
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.$54,436
OLD NATIONAL BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,341 (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.$185,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$185,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$185,000

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.14 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
CountyMuhlenberg
Lot (acres)The size of the land the home sits on, from county records.2.39
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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, Detached

Transaction History(2)

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.

E
Bremen Elementary SchoolC-
Elementary · Grades PK–5 · 1.0 mi
M
Muhlenberg County Middle SchoolC+
Middle · Grades 6–8 · 9.0 mi
H
Muhlenberg County High SchoolC
High · Grades 9–12 · 9.3 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

3970 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 77% of homes in Central City 42330
  • Costs more per square foot than 77% of homes in Central City 42330
  • Bigger than 65% of homes in Central City 42330
  • Has a bigger lot than 77% 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
$23K$439K

This home is worth more than 77% 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$196,345
CheaperTypical $124,323Pricier

Pricier than 77% of homes nearby

Price per ft²$135
CheaperTypical $101Pricier

Pricier than 77% of homes nearby

Living area1,458 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 65% of homes nearby

Lot size2.39 ac
SmallerTypical 0.83 acBigger

Bigger than 77% of homes nearby

How 3970 State Route 81 ranks against every home in each area.
MeasureThis homeCentral City 42330Muhlenberg County
Estimated valuepricier than$196,34577% of homes76% of homes
Price per ft²pricier than$13577% of homes72% of homes
Living areabigger than1,458 ft²65% of homes64% of homes
Lot sizebigger than2.39 ac77% of homes67% of homes

About 3970 State Route 81

How much is 3970 State Route 81, Central City, KY worth?

The TopHap Estimate for 3970 State Route 81, Central City, KY is $196,345 as of Jul 14, 2026. The likely range is $172,089 to $220,601. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3970 State Route 81, Central City, KY last sell?

3970 State Route 81, Central City, KY last sold on May 25, 2023 for $75,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3970 State Route 81, Central City, KY?

3970 State Route 81, Central City, KY has 1,458 square feet of living space and a 2.39-acre lot.

What schools serve 3970 State Route 81, Central City, KY?

3970 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 3970 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 77% of them ($196,345 against a typical $124,323), its price per square foot is higher than 77% of them ($135 against a typical $101), it is bigger than 65% of them (1,458 ft² against a typical 1,280 ft²) and its lot is bigger than 77% of them (2.39 ac against a typical 0.83 ac). Measured against all of Muhlenberg County, it is worth more than 76% 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 3970 State Route 81, Central City, KY?

The 2025 property tax bill for 3970 State Route 81, Central City, KY was $1,341. The county assessed it at $185,000.

Closest homes

More homes in Central City 42330

Assigned schools

Explore the area

See this home in context

Open 3970 State Route 81 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