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Single Family ResidenceResidential
$33,637$37 / 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 67How 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

427 ELM ST

RICHMOND, KY 40475
0
Baths
901 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.
1
StoriesHow many floors the home has above ground.

Valuation

$34K
$23K low$45K high
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.$5,995
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$4,796
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.66%
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.$21,642
US BANK NA ND · recorded Jun 16, 2006
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.$6,000
STOCK YARDS BANK & TRUST CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$329 (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.$84,000 (2025)
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$84,000

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.47
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.7 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
CountyMADISON
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

H
Madison Central High SchoolA-
High · Grades 9–12 · 0.6 mi
M
Madison Middle SchoolA-
Middle · Grades 6–8 · 0.6 mi
E
Glenn Marshall Elementary SchoolB-
Elementary · Grades 1–5 · 1.8 mi

District: Madison County School District

Neighborhood · ZIP 40475These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.154
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.68,654
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.235 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,889
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,324
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%

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

427 Elm 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.

  • Among the least valuable homes in Richmond 40475
  • Among the lowest price per square foot in Richmond 40475
  • Smaller than 95% of homes in Richmond 40475

What homes are worth in Richmond 40475

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

This home
$49K$709K

This home is worth less than almost all homes in Richmond 40475.

How it measures up in Richmond 40475

The dot is this home. The mark in the middle is the typical home in Richmond 40475.

Estimated value$33,637
CheaperTypical $270,733Pricier

Cheaper than almost all homes nearby

Price per ft²$37
CheaperTypical $164Pricier

Cheaper than almost all homes nearby

Living area901 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 5% of homes nearby

How 427 Elm St ranks against every home in each area.
MeasureThis homeRichmond 40475Madison County
Estimated valuepricier than$33,637almost no homesalmost no homes
Price per ft²pricier than$37almost no homesalmost no homes
Living areabigger than901 ft²5% of homes5% of homes

About 427 Elm St

How much is 427 Elm St, Richmond, KY worth?

The TopHap Estimate for 427 Elm St, Richmond, KY is $33,637 as of Jul 14, 2026. The likely range is $22,675 to $44,599. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 427 Elm St, Richmond, KY last sell?

427 Elm St, Richmond, KY last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 427 Elm St, Richmond, KY?

427 Elm St, Richmond, KY is assigned to Madison Central High School (high), rated A-; Madison Middle School (middle), rated A-; Glenn Marshall Elementary School (elementary), rated B-. All sit in Madison County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 427 Elm St, Richmond, KY compare to other homes in Richmond 40475?

Among the 18,432 homes in Richmond 40475, it is worth more than almost none of them ($33,637 against a typical $270,733), its price per square foot is higher than almost none of them ($37 against a typical $164) and it is bigger than 5% of them (901 ft² against a typical 1,620 ft²). Measured against all of Madison County, it is worth more than almost no 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 427 Elm St, Richmond, KY?

The 2025 property tax bill for 427 Elm St, Richmond, KY was $329. The county assessed it at $84,000.

Closest homes

More homes in Richmond 40475

Assigned schools

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