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Single Family ResidenceResidential
$86,499$47 / 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 Sep 24, 2026

406 SPRUCE ST

BENHAM, KY 40807
3
Beds
2
Baths
1,842 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$86K
$76K low$97K high

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$45,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$40,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$36,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$45,000

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.65
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.34%
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
CountyHarlan
Lot (acres)The size of the land the home sits on, from county records.0.15
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.Yes
CoolingThe type of cooling or air conditioning in the home.None

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

E
Cumberland Elementary SchoolB-
Elementary · Grades PK–8 · 1.0 mi
H
Harlan County High SchoolC-
High · Grades 9–12 · 18.4 mi

District: Harlan County School District

Neighborhood · ZIP 40807These 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.114
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 100.88

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.1%
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.1.6%
PopulationHow many people live in this area.5
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.186 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,211
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$56,571
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.54 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

406 Spruce 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 82% of homes in Benham 40807
  • Costs less per square foot than 70% of homes in Harlan County
  • Bigger than 83% of homes in Harlan County
  • Has a smaller lot than 80% of homes in Harlan County
  • Older than 98% of homes in Harlan County

What homes are worth in Benham 40807

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

This home
$40K$149K

This home is worth more than 82% of homes in Benham 40807.

How it measures up in Benham 40807

The dot is this home. The mark in the middle is the typical home in Benham 40807.

Estimated value$86,499
CheaperTypical $63,729Pricier

Pricier than 82% of homes nearby

Price per ft²$47
CheaperTypical $50Pricier

Pricier than 44% of homes nearby

Living area1,842 ft²
SmallerTypical 1,352 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.15 ac
SmallerTypical 0.22 acBigger

Bigger than 28% of homes nearby

Year built1910
OlderTypical 1910Newer

Newer than 50% of homes nearby

How 406 Spruce St ranks against every home in each area.
MeasureThis homeBenham 40807Harlan County
Estimated valuepricier than$86,49982% of homes63% of homes
Price per ft²pricier than$4744% of homes30% of homes
Living areabigger than1,842 ft²79% of homes83% of homes
Lot sizebigger than0.15 ac28% of homes20% of homes
Year builtnewer than191050% of homes2% of homes

About 406 Spruce St

How much is 406 Spruce St, Benham, KY worth?

The TopHap Estimate for 406 Spruce St, Benham, KY is $86,499 as of Sep 24, 2026. The likely range is $76,251 to $96,747. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 406 Spruce St, Benham, KY?

406 Spruce St, Benham, KY has 3 bedrooms, 2 bathrooms, 1,842 square feet of living space and a 0.15-acre lot.

When was 406 Spruce St, Benham, KY built?

406 Spruce St, Benham, KY was built in 1910, making it 116 years old. The building has 2 stories.

What schools serve 406 Spruce St, Benham, KY?

406 Spruce St, Benham, KY is assigned to Cumberland Elementary School (elementary), rated B-; Harlan County High School (high), rated C-. All sit in Harlan County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 406 Spruce St, Benham, KY compare to other homes in Benham 40807?

Among the 254 homes in Benham 40807, it is worth more than 82% of them ($86,499 against a typical $63,729), its price per square foot is higher than 44% of them ($47 against a typical $50), it is bigger than 79% of them (1,842 ft² against a typical 1,352 ft²), its lot is bigger than 28% of them (0.15 ac against a typical 0.22 ac) and it is newer than 50% of them (1910 against a typical 1910). Measured against all of Harlan County, it is worth more than 63% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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