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Single Family ResidenceResidential
$89,399$64 / 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 69How 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

490 INDEPENDENCE RIDGE RD

COLUMBIA, KY 42728
3
Beds
1
Baths
1,398 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.
15 ac
Lot SizeThe size of the land the home sits on, from county records.
2
StoriesHow many floors the home has above ground.

Valuation

$89K
$62K low$117K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$25 (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.$46,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,300
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.$31,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$85,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.22 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
CountyAdair
Lot (acres)The size of the land the home sits on, from county records.15.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Space
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 204 ft²Outdoor kitchen

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

E
Adair County Primary Center
Elementary · Grades PK–2 · 11.5 mi
M
Adair County Middle SchoolB-
Middle · Grades 6–8 · 11.5 mi
H
Adair County High SchoolC-
High · Grades 9–12 · 11.6 mi

District: Adair County School District

Neighborhood · ZIP 42728These 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.119
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.117
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.16,777
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.52 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,777
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,018
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.52 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

490 Independence Ridge Rd 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 70% of homes in Columbia 42728
  • Costs less per square foot than 88% of homes in Columbia 42728
  • Has a bigger lot than 85% of homes in Columbia 42728

What homes are worth in Columbia 42728

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

This home
$17K$462K

This home is worth more than 30% of homes in Columbia 42728.

How it measures up in Columbia 42728

The dot is this home. The mark in the middle is the typical home in Columbia 42728.

Estimated value$89,399
CheaperTypical $130,686Pricier

Pricier than 30% of homes nearby

Price per ft²$64
CheaperTypical $114Pricier

Pricier than 12% of homes nearby

Living area1,398 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 55% of homes nearby

Lot size15 ac
SmallerTypical 1.28 acBigger

Bigger than 85% of homes nearby

How 490 Independence Ridge Rd ranks against every home in each area.
MeasureThis homeColumbia 42728Adair County
Estimated valuepricier than$89,39930% of homes30% of homes
Price per ft²pricier than$6412% of homes12% of homes
Living areabigger than1,398 ft²55% of homes55% of homes
Lot sizebigger than15 ac85% of homes84% of homes

About 490 Independence Ridge Rd

How much is 490 Independence Ridge Rd, Columbia, KY worth?

The TopHap Estimate for 490 Independence Ridge Rd, Columbia, KY is $89,399 as of Sep 24, 2026. The likely range is $61,529 to $117,269. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 490 Independence Ridge Rd, Columbia, KY?

490 Independence Ridge Rd, Columbia, KY has 3 bedrooms, 1 bathrooms, 1,398 square feet of living space and a 15.00-acre lot.

What schools serve 490 Independence Ridge Rd, Columbia, KY?

490 Independence Ridge Rd, Columbia, KY is assigned to Adair County Primary Center (elementary); Adair County Middle School (middle), rated B-; Adair County High School (high), rated C-. All sit in Adair County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 490 Independence Ridge Rd, Columbia, KY compare to other homes in Columbia 42728?

Among the 8,955 homes in Columbia 42728, it is worth more than 30% of them ($89,399 against a typical $130,686), its price per square foot is higher than 12% of them ($64 against a typical $114), it is bigger than 55% of them (1,398 ft² against a typical 1,344 ft²) and its lot is bigger than 85% of them (15 ac against a typical 1.28 ac). Measured against all of Adair County, it is worth more than 30% 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 490 Independence Ridge Rd, Columbia, KY?

The 2025 property tax bill for 490 Independence Ridge Rd, Columbia, KY was $25. The county assessed it at $46,300.

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