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Single Family ResidenceResidential
$108,864$50 / 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 72How 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
Last sold for $120,000 on Mar 13, 2023

4045 RIVER FRONT RD

LOVELY, KY 41231
4
Beds
1
Baths
2,166 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.
7 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
Year BuiltThe year the home was originally built, according to county records.
1
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

$109K
$79K low$139K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,000 · Mar 13, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,071 (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.$120,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$100,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$120,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$120,000

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.197 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.1 percent flood zone

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
CountyMartin
Lot (acres)The size of the land the home sits on, from county records.7.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.Asphalt
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Wall Unit
ViewThe type of view from the property, or another feature of the site that affects value.Flood Plain/Flood Zone
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 192 ft²

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.

Neighborhood · ZIP 41231These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.127
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.54

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.3.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.28%
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.393
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.96 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,778
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,771
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

4045 River Front Rd 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 Lovely 41231
  • Costs more per square foot than 72% of homes in Lovely 41231
  • Bigger than 91% of homes in Lovely 41231
  • Has a bigger lot than 85% of homes in Lovely 41231
  • Older than 84% of homes in Lovely 41231

What homes are worth in Lovely 41231

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

This home
$21K$166K

This home is worth more than 92% of homes in Lovely 41231.

How it measures up in Lovely 41231

The dot is this home. The mark in the middle is the typical home in Lovely 41231.

Estimated value$108,864
CheaperTypical $55,009Pricier

Pricier than 92% of homes nearby

Price per ft²$50
CheaperTypical $40Pricier

Pricier than 72% of homes nearby

Living area2,166 ft²
SmallerTypical 1,280 ft²Bigger

Bigger than 91% of homes nearby

Lot size7 ac
SmallerTypical 1 acBigger

Bigger than 85% of homes nearby

Year built1965
OlderTypical 1984Newer

Newer than 16% of homes nearby

How 4045 River Front Rd ranks against every home in each area.
MeasureThis homeLovely 41231Martin County
Estimated valuepricier than$108,86492% of homes87% of homes
Price per ft²pricier than$5072% of homes68% of homes
Living areabigger than2,166 ft²91% of homes90% of homes
Lot sizebigger than7 ac85% of homes77% of homes
Year builtnewer than196516% of homes16% of homes

About 4045 River Front Rd

How much is 4045 River Front Rd, Lovely, KY worth?

The TopHap Estimate for 4045 River Front Rd, Lovely, KY is $108,864 as of Oct 21, 2026. The likely range is $78,823 to $138,905. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4045 River Front Rd, Lovely, KY last sell?

4045 River Front Rd, Lovely, KY last sold on Mar 13, 2023 for $120,000, according to the county's recorded deed.

How big is 4045 River Front Rd, Lovely, KY?

4045 River Front Rd, Lovely, KY has 4 bedrooms, 1 bathrooms, 2,166 square feet of living space and a 7.00-acre lot.

When was 4045 River Front Rd, Lovely, KY built?

4045 River Front Rd, Lovely, KY was built in 1965, making it 61 years old. The building has 1 story.

How does 4045 River Front Rd, Lovely, KY compare to other homes in Lovely 41231?

Among the 431 homes in Lovely 41231, it is worth more than 92% of them ($108,864 against a typical $55,009), its price per square foot is higher than 72% of them ($50 against a typical $40), it is bigger than 91% of them (2,166 ft² against a typical 1,280 ft²), its lot is bigger than 85% of them (7 ac against a typical 1 ac) and it is newer than 16% of them (1965 against a typical 1984). Measured against all of Martin County, it is worth more than 87% 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 4045 River Front Rd, Lovely, KY?

The 2025 property tax bill for 4045 River Front Rd, Lovely, KY was $1,071. The county assessed it at $120,000.

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