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Rural ResidenceResidential
$131,101
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 77How 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 $100,000 on Sep 12, 2019

89 ROSS RD

LANCASTER, KY 40444
0
Baths
37 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.

Valuation

$131K
$101K low$161K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,000 · Sep 12, 2019
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.391%
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.$604,700
ROCKET MORTGAGE LLC · 6.23% 1 · recorded Jun 3, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$411 (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.$40,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$10,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$30,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$40,000

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.60
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
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.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyGarrard
Lot (acres)The size of the land the home sits on, from county records.37.00

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
Paint Lick Elementary SchoolB
Elementary · Grades PK–5 · 5.5 mi
M
Garrard Middle SchoolC+
Middle · Grades 6–8 · 7.2 mi
H
Garrard County High SchoolA-
High · Grades 9–12 · 7.3 mi

District: Garrard County School District

Neighborhood · ZIP 40444These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.153
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.15,098
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.$59,007
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,649
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

89 Ross 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 77% of homes in Lancaster 40444
  • Has a bigger lot than 89% of homes in Lancaster 40444
  • Among the newest homes in Lancaster 40444

What homes are worth in Lancaster 40444

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

This home
$50K$654K

This home is worth more than 23% of homes in Lancaster 40444.

How it measures up in Lancaster 40444

The dot is this home. The mark in the middle is the typical home in Lancaster 40444.

Estimated value$131,101
CheaperTypical $212,879Pricier

Pricier than 23% of homes nearby

Lot size37 ac
SmallerTypical 1.59 acBigger

Bigger than 89% of homes nearby

Year built2024
OlderTypical 1994Newer

Newer than almost all homes nearby

How 89 Ross Rd ranks against every home in each area.
MeasureThis homeLancaster 40444Garrard County
Estimated valuepricier than$131,10123% of homes25% of homes
Lot sizebigger than37 ac89% of homes88% of homes
Year builtnewer than2024almost all homesalmost all homes

About 89 Ross Rd

How much is 89 Ross Rd, Lancaster, KY worth?

The TopHap Estimate for 89 Ross Rd, Lancaster, KY is $131,101 as of Jul 14, 2026. The likely range is $101,077 to $161,125. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 89 Ross Rd, Lancaster, KY last sell?

89 Ross Rd, Lancaster, KY last sold on Sep 12, 2019 for $100,000, according to the county's recorded deed.

When was 89 Ross Rd, Lancaster, KY built?

89 Ross Rd, Lancaster, KY was built in 2024, making it 2 years old.

What schools serve 89 Ross Rd, Lancaster, KY?

89 Ross Rd, Lancaster, KY is assigned to Paint Lick Elementary School (elementary), rated B; Garrard Middle School (middle), rated C+; Garrard County High School (high), rated A-. All sit in Garrard County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 89 Ross Rd, Lancaster, KY compare to other homes in Lancaster 40444?

Among the 6,275 homes in Lancaster 40444, it is worth more than 23% of them ($131,101 against a typical $212,879), its lot is bigger than 89% of them (37 ac against a typical 1.59 ac) and it is newer than almost all of them (2024 against a typical 1994). Measured against all of Garrard County, it is worth more than 25% 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 89 Ross Rd, Lancaster, KY?

The 2025 property tax bill for 89 Ross Rd, Lancaster, KY was $411. The county assessed it at $40,000.

More homes on Ross Rd

Closest homes

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Assigned schools

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