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Single Family ResidenceResidential
$137,598$126 / 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 91How 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

643 RICHARDSON AVE

HENDERSON, KY 42420
3
Beds
1
Baths
1,092 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$138K
$125K low$150K 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.$64,198
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$51,358
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.55%
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.$73,400
STATE FARM BANK FSB · recorded Dec 27, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$465 (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.$91,000 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$91,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$91,000

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
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.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
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 Residence
CountyHenderson
Lot (acres)The size of the land the home sits on, from county records.0.21
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
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
Bend Gate Elementary SchoolB+
Elementary · Grades KG–5 · 1.1 mi
H
Henderson County High SchoolA
High · Grades 9–12 · 1.9 mi
M
Henderson County South Middle SchoolB-
Middle · Grades 6–8 · 2.3 mi

District: Henderson County School District

Neighborhood · ZIP 42420These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.152

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.19%
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.35,771
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.166 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,065
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,001
Average tempThe average temperature here across a full year.57°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

643 Richardson Ave 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 67% of homes in Henderson 42420
  • Smaller than 80% of homes in Henderson 42420
  • Has a smaller lot than 72% of homes in Henderson County
  • Older than 68% of homes in Henderson County

What homes are worth in Henderson 42420

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

This home
$37K$534K

This home is worth more than 33% of homes in Henderson 42420.

How it measures up in Henderson 42420

The dot is this home. The mark in the middle is the typical home in Henderson 42420.

Estimated value$137,598
CheaperTypical $184,426Pricier

Pricier than 33% of homes nearby

Price per ft²$126
CheaperTypical $121Pricier

Pricier than 55% of homes nearby

Living area1,092 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.21 ac
SmallerTypical 0.28 acBigger

Bigger than 33% of homes nearby

Year built1960
OlderTypical 1975Newer

Newer than 34% of homes nearby

How 643 Richardson Ave ranks against every home in each area.
MeasureThis homeHenderson 42420Henderson County
Estimated valuepricier than$137,59833% of homes34% of homes
Price per ft²pricier than$12655% of homes57% of homes
Living areabigger than1,092 ft²20% of homes20% of homes
Lot sizebigger than0.21 ac33% of homes28% of homes
Year builtnewer than196034% of homes32% of homes

About 643 Richardson Ave

How much is 643 Richardson Ave, Henderson, KY worth?

The TopHap Estimate for 643 Richardson Ave, Henderson, KY is $137,598 as of Jul 14, 2026. The likely range is $125,172 to $150,024. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 643 Richardson Ave, Henderson, KY?

643 Richardson Ave, Henderson, KY has 3 bedrooms, 1 bathrooms, 1,092 square feet of living space and a 0.21-acre lot.

When was 643 Richardson Ave, Henderson, KY built?

643 Richardson Ave, Henderson, KY was built in 1960, making it 66 years old. The building has 1 story.

What schools serve 643 Richardson Ave, Henderson, KY?

643 Richardson Ave, Henderson, KY is assigned to Bend Gate Elementary School (elementary), rated B+; Henderson County High School (high), rated A; Henderson County South Middle School (middle), rated B-. All sit in Henderson County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 Richardson Ave, Henderson, KY compare to other homes in Henderson 42420?

Among the 12,943 homes in Henderson 42420, it is worth more than 33% of them ($137,598 against a typical $184,426), its price per square foot is higher than 55% of them ($126 against a typical $121), it is bigger than 20% of them (1,092 ft² against a typical 1,500 ft²), its lot is bigger than 33% of them (0.21 ac against a typical 0.28 ac) and it is newer than 34% of them (1960 against a typical 1975). Measured against all of Henderson County, it is worth more than 34% 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 643 Richardson Ave, Henderson, KY?

The 2025 property tax bill for 643 Richardson Ave, Henderson, KY was $465. The county assessed it at $91,000.

Closest homes

More homes in Henderson 42420

Assigned schools

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