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Single Family ResidentialResidential
$224,682$139 / 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 93How 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 $181,000 on Mar 22, 2022

644 INDEPENDENCE DR

RADCLIFF, KY 40160
3
Beds
2
Baths
1,620 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$225K
$210K low$240K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$181,000 · Mar 22, 2022
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.$46,961
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$37,569
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.81%
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.$177,721
FAIRWAY INDEPENDENT MORTGAGE CORP · recorded Mar 22, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,709 (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.$181,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$163,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$181,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$181,000

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
87
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
5
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
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountyHardin
Lot (acres)The size of the land the home sits on, from county records.0.29
HeatingThe type of heating system in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Single
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 168 ft²

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.

E
New Highland Elementary SchoolB
Elementary · Grades PK–5 · 3.4 mi
M
Bluegrass Middle SchoolC+
Middle · Grades 6–8 · 3.5 mi
H
John Hardin High SchoolA-
High · Grades 9–12 · 3.6 mi

District: Hardin County School District

Neighborhood · ZIP 40160These 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.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.22,717
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.838 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,957
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,705
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

644 Independence 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.

  • Has a smaller lot than 74% of homes in Hardin County
  • Newer than 74% of homes in Radcliff 40160

What homes are worth in Radcliff 40160

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

This home
$39K$388K

This home is worth more than 64% of homes in Radcliff 40160.

How it measures up in Radcliff 40160

The dot is this home. The mark in the middle is the typical home in Radcliff 40160.

Estimated value$224,682
CheaperTypical $206,856Pricier

Pricier than 64% of homes nearby

Price per ft²$139
CheaperTypical $141Pricier

Pricier than 48% of homes nearby

Living area1,620 ft²
SmallerTypical 1,458 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.29 ac
SmallerTypical 0.34 acBigger

Bigger than 35% of homes nearby

Year built1989
OlderTypical 1983Newer

Newer than 74% of homes nearby

How 644 Independence Dr ranks against every home in each area.
MeasureThis homeRadcliff 40160Hardin County
Estimated valuepricier than$224,68264% of homes50% of homes
Price per ft²pricier than$13948% of homes37% of homes
Living areabigger than1,620 ft²63% of homes54% of homes
Lot sizebigger than0.29 ac35% of homes26% of homes
Year builtnewer than198974% of homes58% of homes

About 644 Independence Dr

How much is 644 Independence Dr, Radcliff, KY worth?

The TopHap Estimate for 644 Independence Dr, Radcliff, KY is $224,682 as of Jul 14, 2026. The likely range is $209,628 to $239,736. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Independence Dr, Radcliff, KY last sell?

644 Independence Dr, Radcliff, KY last sold on Mar 22, 2022 for $181,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 644 Independence Dr, Radcliff, KY?

644 Independence Dr, Radcliff, KY has 3 bedrooms, 2 bathrooms, 1,620 square feet of living space and a 0.29-acre lot.

When was 644 Independence Dr, Radcliff, KY built?

644 Independence Dr, Radcliff, KY was built in 1989, making it 37 years old. It is a raised ranch home. The building has 1 story.

What schools serve 644 Independence Dr, Radcliff, KY?

644 Independence Dr, Radcliff, KY is assigned to New Highland Elementary School (elementary), rated B; Bluegrass Middle School (middle), rated C+; John Hardin High School (high), rated A-. All sit in Hardin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 Independence Dr, Radcliff, KY compare to other homes in Radcliff 40160?

Among the 8,050 homes in Radcliff 40160, it is worth more than 64% of them ($224,682 against a typical $206,856), its price per square foot is higher than 48% of them ($139 against a typical $141), it is bigger than 63% of them (1,620 ft² against a typical 1,458 ft²), its lot is bigger than 35% of them (0.29 ac against a typical 0.34 ac) and it is newer than 74% of them (1989 against a typical 1983). Measured against all of Hardin County, it is worth more than 50% 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 644 Independence Dr, Radcliff, KY?

The 2025 property tax bill for 644 Independence Dr, Radcliff, KY was $1,709. The county assessed it at $181,000.

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