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Single Family ResidenceResidential
$86,813
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 60How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $85,000 on Jun 9, 2026

445 GARNETT LN

OWENTON, KY 40359
0
Baths
118 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.

Valuation

$87K
$52K low$121K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,000 · Jun 9, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,033 (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.$84,400 (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.$84,400

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.63
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
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.
22
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.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
CountyOWEN
Lot (acres)The size of the land the home sits on, from county records.118.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

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

M
Maurice Bowling Middle SchoolC-
Middle · Grades 5–8 · 3.9 mi
H
Owen County High SchoolC
High · Grades 9–12 · 4.0 mi
E
Owen County Elementary/Primary SchoolB
Elementary · Grades PK–4 · 4.4 mi

District: Owen County School District

Neighborhood · ZIP 40359These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.190
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.79%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.7,463
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,810
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,617
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

445 Garnett Ln 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 less than 80% of homes in Owenton 40359
  • Has a bigger lot than 93% of homes in Owenton 40359

What homes are worth in Owenton 40359

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

This home
$27K$691K

This home is worth more than 20% of homes in Owenton 40359.

How it measures up in Owenton 40359

The dot is this home. The mark in the middle is the typical home in Owenton 40359.

Estimated value$86,813
CheaperTypical $168,715Pricier

Pricier than 20% of homes nearby

Lot size118 ac
SmallerTypical 3 acBigger

Bigger than 93% of homes nearby

How 445 Garnett Ln ranks against every home in each area.
MeasureThis homeOwenton 40359Owen County
Estimated valuepricier than$86,81320% of homes24% of homes
Lot sizebigger than118 ac93% of homes93% of homes

About 445 Garnett Ln

How much is 445 Garnett Ln, Owenton, KY worth?

The TopHap Estimate for 445 Garnett Ln, Owenton, KY is $86,813 as of Aug 30, 2026. The likely range is $52,394 to $121,232. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 445 Garnett Ln, Owenton, KY last sell?

445 Garnett Ln, Owenton, KY last sold on Jun 9, 2026 for $85,000, according to the county's recorded deed.

What schools serve 445 Garnett Ln, Owenton, KY?

445 Garnett Ln, Owenton, KY is assigned to Maurice Bowling Middle School (middle), rated C-; Owen County High School (high), rated C; Owen County Elementary/Primary School (elementary), rated B. All sit in Owen County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 445 Garnett Ln, Owenton, KY compare to other homes in Owenton 40359?

Among the 4,047 homes in Owenton 40359, it is worth more than 20% of them ($86,813 against a typical $168,715) and its lot is bigger than 93% of them (118 ac against a typical 3 ac). Measured against all of Owen County, it is worth more than 24% 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 445 Garnett Ln, Owenton, KY?

The 2025 property tax bill for 445 Garnett Ln, Owenton, KY was $1,033. The county assessed it at $84,400.

More homes on Garnett Ln

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