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Single Family ResidenceResidential
$445,002$286 / 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

8800 COVINGTON RIDGE CUTOFF

PENDLETON, KY 40055
3
Beds
2
Baths
1,556 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.
76 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
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.

Valuation

$445K
$405K low$485K 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.$345,002
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$276,002
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.21%
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
HOMESERVICES LENDING LLC · recorded Feb 1, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,374 (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.$238,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$33,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$205,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$505,000

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.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
CountyOLDHAM
Lot (acres)The size of the land the home sits on, from county records.76.00
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
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

H
Oldham County High SchoolA
High · Grades 9–12 · 9.1 mi
E
Buckner Elementary SchoolA
Elementary · Grades KG–5 · 9.2 mi
M
Oldham County Middle SchoolA-
Middle · Grades 6–8 · 9.3 mi

District: Oldham County School District

Neighborhood · ZIP 40055These 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.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.142
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.1,818
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.91 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,029
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,027
Average tempThe average temperature here across a full year.55°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.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

8800 Covington Ridge Cutoff 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 81% of homes in Pendleton 40055
  • Costs more per square foot than 88% of homes in Oldham County
  • Smaller than 72% of homes in Oldham County
  • Among the largest lots in Oldham County
  • Older than 74% of homes in Pendleton 40055

What homes are worth in Pendleton 40055

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

This home
$78K$793K

This home is worth more than 81% of homes in Pendleton 40055.

How it measures up in Pendleton 40055

The dot is this home. The mark in the middle is the typical home in Pendleton 40055.

Estimated value$445,002
CheaperTypical $311,655Pricier

Pricier than 81% of homes nearby

Price per ft²$286
CheaperTypical $209Pricier

Pricier than 86% of homes nearby

Living area1,556 ft²
SmallerTypical 1,608 ft²Bigger

Bigger than 43% of homes nearby

Lot size76 ac
SmallerTypical 4.02 acBigger

Bigger than 97% of homes nearby

Year built1987
OlderTypical 1996Newer

Newer than 26% of homes nearby

How 8800 Covington Ridge Cutoff ranks against every home in each area.
MeasureThis homePendleton 40055Oldham County
Estimated valuepricier than$445,00281% of homes51% of homes
Price per ft²pricier than$28686% of homes88% of homes
Living areabigger than1,556 ft²43% of homes28% of homes
Lot sizebigger than76 ac97% of homesalmost all homes
Year builtnewer than198726% of homes39% of homes

About 8800 Covington Ridge Cutoff

How much is 8800 Covington Ridge Cutoff, Pendleton, KY worth?

The TopHap Estimate for 8800 Covington Ridge Cutoff, Pendleton, KY is $445,002 as of Jul 14, 2026. The likely range is $405,144 to $484,860. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 8800 Covington Ridge Cutoff, Pendleton, KY last sell?

8800 Covington Ridge Cutoff, Pendleton, KY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 8800 Covington Ridge Cutoff, Pendleton, KY?

8800 Covington Ridge Cutoff, Pendleton, KY has 3 bedrooms, 2 bathrooms, 1,556 square feet of living space and a 76.00-acre lot.

When was 8800 Covington Ridge Cutoff, Pendleton, KY built?

8800 Covington Ridge Cutoff, Pendleton, KY was built in 1987, making it 39 years old. The building has 1 story.

What schools serve 8800 Covington Ridge Cutoff, Pendleton, KY?

8800 Covington Ridge Cutoff, Pendleton, KY is assigned to Oldham County High School (high), rated A; Buckner Elementary School (elementary), rated A; Oldham County Middle School (middle), rated A-. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 8800 Covington Ridge Cutoff, Pendleton, KY compare to other homes in Pendleton 40055?

Among the 819 homes in Pendleton 40055, it is worth more than 81% of them ($445,002 against a typical $311,655), its price per square foot is higher than 86% of them ($286 against a typical $209), it is bigger than 43% of them (1,556 ft² against a typical 1,608 ft²), its lot is bigger than 97% of them (76 ac against a typical 4.02 ac) and it is newer than 26% of them (1987 against a typical 1996). Measured against all of Oldham County, it is worth more than 51% 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 8800 Covington Ridge Cutoff, Pendleton, KY?

The 2025 property tax bill for 8800 Covington Ridge Cutoff, Pendleton, KY was $2,374. The county assessed it at $238,000.

Closest homes

More homes in Pendleton 40055

Assigned schools

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