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Single Family ResidenceResidential
$735,457$251 / 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 $69,000 on Mar 19, 2002

432 RUSCHMAN DR

COLD SPRING, KY 41076
4
Beds
2.5
Baths
2,932 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.
6.33 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$735K
$647K low$824K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$69,000 · Mar 19, 2002
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.$395,457
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$316,366
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.47%
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.$265,000
UNION SAVINGS BANK · recorded Mar 28, 2012
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.$75,000
KEMBA CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,108 (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.$586,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$75,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$511,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$408,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$586,500

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.56
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.119 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyCampbell
Lot (acres)The size of the land the home sits on, from county records.6.33
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
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

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

E
Donald E. Cline Elementary SchoolA-
Elementary · Grades KG–5 · 1.5 mi
M
Campbell County Middle SchoolB
Middle · Grades 6–8 · 3.2 mi
H
Campbell County High SchoolA
High · Grades 9–12 · 5.9 mi

District: Campbell County School District

Neighborhood · ZIP 41076These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.207
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.16,932
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.894 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,794
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,169
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

432 Ruschman Dr 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 most valuable homes in Newport 41076
  • Costs more per square foot than 93% of homes in Newport 41076
  • Bigger than 95% of homes in Campbell County
  • Has a bigger lot than 98% of homes in Campbell County
  • Newer than 90% of homes in Campbell County

What homes are worth in Newport 41076

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

This home
$118K$653K

This home is worth more than almost all homes in Newport 41076.

How it measures up in Newport 41076

The dot is this home. The mark in the middle is the typical home in Newport 41076.

Estimated value$735,457
CheaperTypical $257,266Pricier

Pricier than almost all homes nearby

Price per ft²$251
CheaperTypical $173Pricier

Pricier than 93% of homes nearby

Living area2,932 ft²
SmallerTypical 1,428 ft²Bigger

Bigger than 94% of homes nearby

Lot size6.33 ac
SmallerTypical 0.43 acBigger

Bigger than 97% of homes nearby

Year built2002
OlderTypical 1990Newer

Newer than 83% of homes nearby

How 432 Ruschman Dr ranks against every home in each area.
MeasureThis homeNewport 41076Campbell County
Estimated valuepricier than$735,457almost all homes97% of homes
Price per ft²pricier than$25193% of homes84% of homes
Living areabigger than2,932 ft²94% of homes95% of homes
Lot sizebigger than6.33 ac97% of homes98% of homes
Year builtnewer than200283% of homes90% of homes

About 432 Ruschman Dr

How much is 432 Ruschman Dr, Cold Spring, KY worth?

The TopHap Estimate for 432 Ruschman Dr, Cold Spring, KY is $735,457 as of Jul 14, 2026. The likely range is $646,539 to $824,375. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 Ruschman Dr, Cold Spring, KY last sell?

432 Ruschman Dr, Cold Spring, KY last sold on Mar 19, 2002 for $69,000, according to the county's recorded deed.

How big is 432 Ruschman Dr, Cold Spring, KY?

432 Ruschman Dr, Cold Spring, KY has 4 bedrooms, 2.5 bathrooms, 2,932 square feet of living space and a 6.33-acre lot.

When was 432 Ruschman Dr, Cold Spring, KY built?

432 Ruschman Dr, Cold Spring, KY was built in 2002, making it 24 years old. The building has 2 stories.

What schools serve 432 Ruschman Dr, Cold Spring, KY?

432 Ruschman Dr, Cold Spring, KY is assigned to Donald E. Cline Elementary School (elementary), rated A-; Campbell County Middle School (middle), rated B; Campbell County High School (high), rated A. All sit in Campbell County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 432 Ruschman Dr, Cold Spring, KY compare to other homes in Newport 41076?

Among the 6,054 homes in Newport 41076, it is worth more than almost all of them ($735,457 against a typical $257,266), its price per square foot is higher than 93% of them ($251 against a typical $173), it is bigger than 94% of them (2,932 ft² against a typical 1,428 ft²), its lot is bigger than 97% of them (6.33 ac against a typical 0.43 ac) and it is newer than 83% of them (2002 against a typical 1990). Measured against all of Campbell County, it is worth more than 97% 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 432 Ruschman Dr, Cold Spring, KY?

The 2025 property tax bill for 432 Ruschman Dr, Cold Spring, KY was $7,108. The county assessed it at $586,500.

Closest homes

More homes in Cold Spring 41076

Assigned schools

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