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Single Family ResidentialResidential
$128,886
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 66How 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

438 RUSSELL LOOP

CLAY, KY 42404
0
Baths
2,178 ft²
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$129K
$85K low$173K 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.$128,886
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$103,109

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6 (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.$500 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$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.47
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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 Residential
CountyWebster
Lot (acres)The size of the land the home sits on, from county records.0.05

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

E
Clay Elementary SchoolA-
Elementary · Grades PK–6 · 3.0 mi
H
Webster County High SchoolC-
High · Grades 9–12 · 8.8 mi

District: Webster County School District

Neighborhood · ZIP 42404These 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.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.175

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.2,621
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,692
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,788
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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.Absentee owner
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

438 Russell Loop 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 smallest lots in Clay 42404

What homes are worth in Clay 42404

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

This home
$37K$398K

This home is worth more than 54% of homes in Clay 42404.

How it measures up in Clay 42404

The dot is this home. The mark in the middle is the typical home in Clay 42404.

Estimated value$128,886
CheaperTypical $118,011Pricier

Pricier than 54% of homes nearby

Lot size2,178 ft²
SmallerTypical 1.66 acBigger

Smaller than almost all homes nearby

How 438 Russell Loop ranks against every home in each area.
MeasureThis homeClay 42404Webster County
Estimated valuepricier than$128,88654% of homes54% of homes
Lot sizebigger than2,178 ft²almost no homesalmost no homes

About 438 Russell Loop

How much is 438 Russell Loop, Clay, KY worth?

The TopHap Estimate for 438 Russell Loop, Clay, KY is $128,886 as of Jul 14, 2026. The likely range is $84,776 to $172,996. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 438 Russell Loop, Clay, KY?

438 Russell Loop, Clay, KY is assigned to Clay Elementary School (elementary), rated A-; Webster County High School (high), rated C-. All sit in Webster County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 438 Russell Loop, Clay, KY compare to other homes in Clay 42404?

Among the 1,113 homes in Clay 42404, it is worth more than 54% of them ($128,886 against a typical $118,011) and its lot is bigger than almost none of them (2,178 ft² against a typical 1.66 ac). Measured against all of Webster County, it is worth more than 54% 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 438 Russell Loop, Clay, KY?

The 2025 property tax bill for 438 Russell Loop, Clay, KY was $6. The county assessed it at $500.

Closest homes

More homes in Clay 42404

Assigned schools

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