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Single Family ResidentialResidential
$43,290$42 / 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 Aug 30, 2026

THIRD ST

LOYALL, KY 40854
2
Beds
1
Baths
1,040 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$43K
$40K low$46K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$241 (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.$18,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,000
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.$18,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$18,000

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.54
46
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
39
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
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.
12
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.69 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
CountyHarlan
Lot (acres)The size of the land the home sits on, from county records.0.10
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.Yes
CoolingThe type of cooling or air conditioning in the home.None

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
James A. Cawood Elementary SchoolB+
Elementary · Grades PK–8 · 3.3 mi
H
Harlan County High SchoolC-
High · Grades 9–12 · 5.4 mi

District: Harlan County School District

Neighborhood · ZIP 40854These 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.149
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.123
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.5.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.488
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.374 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$40,120
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$43,817
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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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

Third St 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 83% of homes in Loyall 40854
  • Costs less per square foot than 78% of homes in Loyall 40854
  • Smaller than 71% of homes in Loyall 40854
  • Has a smaller lot than 92% of homes in Harlan County
  • Older than 75% of homes in Harlan County

What homes are worth in Loyall 40854

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

This home
$29K$196K

This home is worth more than 17% of homes in Loyall 40854.

How it measures up in Loyall 40854

The dot is this home. The mark in the middle is the typical home in Loyall 40854.

Estimated value$43,290
CheaperTypical $64,121Pricier

Pricier than 17% of homes nearby

Price per ft²$42
CheaperTypical $50Pricier

Pricier than 22% of homes nearby

Living area1,040 ft²
SmallerTypical 1,244 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.1 ac
SmallerTypical 0.16 acBigger

Bigger than 20% of homes nearby

Year built1930
OlderTypical 1940Newer

Newer than 27% of homes nearby

How Third St ranks against every home in each area.
MeasureThis homeLoyall 40854Harlan County
Estimated valuepricier than$43,29017% of homes17% of homes
Price per ft²pricier than$4222% of homes23% of homes
Living areabigger than1,040 ft²29% of homes36% of homes
Lot sizebigger than0.1 ac20% of homes8% of homes
Year builtnewer than193027% of homes25% of homes

About Third St

How much is Third St, Loyall, KY worth?

The TopHap Estimate for Third St, Loyall, KY is $43,290 as of Aug 30, 2026. The likely range is $40,380 to $46,200. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is Third St, Loyall, KY?

Third St, Loyall, KY has 2 bedrooms, 1 bathrooms, 1,040 square feet of living space and a 0.10-acre lot.

When was Third St, Loyall, KY built?

Third St, Loyall, KY was built in 1930, making it 96 years old. The building has 2 stories.

What schools serve Third St, Loyall, KY?

Third St, Loyall, KY is assigned to James A. Cawood Elementary School (elementary), rated B+; Harlan County High School (high), rated C-. All sit in Harlan County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does Third St, Loyall, KY compare to other homes in Loyall 40854?

Among the 523 homes in Loyall 40854, it is worth more than 17% of them ($43,290 against a typical $64,121), its price per square foot is higher than 22% of them ($42 against a typical $50), it is bigger than 29% of them (1,040 ft² against a typical 1,244 ft²), its lot is bigger than 20% of them (0.1 ac against a typical 0.16 ac) and it is newer than 27% of them (1930 against a typical 1940). Measured against all of Harlan County, it is worth more than 17% 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 Third St, Loyall, KY?

The 2025 property tax bill for Third St, Loyall, KY was $241. The county assessed it at $18,000.

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