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Single Family ResidenceResidential
$440,781$124 / 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 92How 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

86 DAVID ROY RD

RUSSELL SPRINGS, KY 42642
3
Beds
1
Baths
3,562 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.
83.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$441K
$404K low$478K 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.$340,781
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$272,625
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.26%
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.$100,000
UNITED CITIZENS BANK OF SOUTHERN KENTUCK · recorded Mar 14, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,444 (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.$263,400 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$263,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$263,400

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.65
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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
CountyRussell
Lot (acres)The size of the land the home sits on, from county records.83.22
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.Heat Pump
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, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 630 ft²

Transaction History(1)

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
Salem Elementary SchoolB
Elementary · Grades PK–5 · 2.3 mi
H
Russell County High SchoolC-
High · Grades 9–12 · 7.5 mi
M
Russell County Middle SchoolB
Middle · Grades 6–8 · 7.6 mi

District: Russell County School District

Neighborhood · ZIP 42642These 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.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.130
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.82%
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.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.13,388
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.92 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,386
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,857
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.54 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

86 David Roy 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 more than 97% of homes in Russell Springs 42642
  • Among the largest homes in Russell Springs 42642
  • Has a bigger lot than 98% of homes in Russell Springs 42642
  • Older than 86% of homes in Russell County

What homes are worth in Russell Springs 42642

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

This home
$18K$503K

This home is worth more than 97% of homes in Russell Springs 42642.

How it measures up in Russell Springs 42642

The dot is this home. The mark in the middle is the typical home in Russell Springs 42642.

Estimated value$440,781
CheaperTypical $152,000Pricier

Pricier than 97% of homes nearby

Price per ft²$124
CheaperTypical $131Pricier

Pricier than 42% of homes nearby

Living area3,562 ft²
SmallerTypical 1,250 ft²Bigger

Bigger than almost all homes nearby

Lot size83.22 ac
SmallerTypical 1.5 acBigger

Bigger than 98% of homes nearby

Year built1978
OlderTypical 1995Newer

Newer than 16% of homes nearby

How 86 David Roy Rd ranks against every home in each area.
MeasureThis homeRussell Springs 42642Russell County
Estimated valuepricier than$440,78197% of homes96% of homes
Price per ft²pricier than$12442% of homes41% of homes
Living areabigger than3,562 ft²almost all homesalmost all homes
Lot sizebigger than83.22 ac98% of homes98% of homes
Year builtnewer than197816% of homes14% of homes

About 86 David Roy Rd

How much is 86 David Roy Rd, Russell Springs, KY worth?

The TopHap Estimate for 86 David Roy Rd, Russell Springs, KY is $440,781 as of Jul 14, 2026. The likely range is $403,525 to $478,037. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 86 David Roy Rd, Russell Springs, KY?

86 David Roy Rd, Russell Springs, KY has 3 bedrooms, 1 bathrooms, 3,562 square feet of living space and a 83.22-acre lot.

When was 86 David Roy Rd, Russell Springs, KY built?

86 David Roy Rd, Russell Springs, KY was built in 1978, making it 48 years old. The building has 1 story.

What schools serve 86 David Roy Rd, Russell Springs, KY?

86 David Roy Rd, Russell Springs, KY is assigned to Salem Elementary School (elementary), rated B; Russell County High School (high), rated C-; Russell County Middle School (middle), rated B. All sit in Russell County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 86 David Roy Rd, Russell Springs, KY compare to other homes in Russell Springs 42642?

Among the 7,486 homes in Russell Springs 42642, it is worth more than 97% of them ($440,781 against a typical $152,000), its price per square foot is higher than 42% of them ($124 against a typical $131), it is bigger than almost all of them (3,562 ft² against a typical 1,250 ft²), its lot is bigger than 98% of them (83.22 ac against a typical 1.5 ac) and it is newer than 16% of them (1978 against a typical 1995). Measured against all of Russell County, it is worth more than 96% 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 86 David Roy Rd, Russell Springs, KY?

The 2025 property tax bill for 86 David Roy Rd, Russell Springs, KY was $2,444. The county assessed it at $263,400.

Closest homes

More homes in Russell Springs 42642

Assigned schools

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