101 Main St, West Point, KY 40177 Property Records

Hardin County property record for 101 Main St, West Point, KY 40177

Property Summary

Property Type	Commercial
Lot Size	0.189 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$280,000 (Mar 2020)
Tax Bill	$3,358 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2019 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`158-10-02-032`

Property Details

APN / Parcel Number

Primary APN	`158-10-02-032`

Exterior

Lot Area	8,276 sqft (0.189 acres)

Location & Zoning

Street Address	101 MAIN ST
City	WEST POINT
State	KY
Zip	40177-1435
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DIST:09 CITY/MUNI/TWP:WEST POINT (CITY - IND SCHOOL)
Jurisdiction	HARDIN KY
Township / Civil Division	WEST POINT
Census Block Group	1
Census Block	1009
Census Tract	100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Point Historic District listed 1996 · 76 contributing resources · NRIS 96001344

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hardin County records, as of January 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	101 MAIN ST, WEST POINT, KY 40177-1435
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK
Dec 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WEST POINT BANK
Mar 19, 2020	Special Warranty Deed, Transfer · Stand-Alone Second Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Deed Document Number	0014871049
Deed Book / Page	1487 / 1049
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Recording Date	Jul 2, 2026
Property Address	101 MAIN ST, WEST POINT, KY 40177-1435
Document Number	2622001321
Book / Page	2622 / 1321
Instrument Date	Jun 30, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	757 BELLEFONTE RD, FLATWOODS, KY 41139-2001

Mortgage

Document Number	2622001321,
Date	Jul 2, 2026
Book Page	2622/1321

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 30, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	101 MAIN ST, WEST POINT, KY 40177-1435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2293/278
Date	Dec 20, 2019
Book Page	2293/278
Instrument	20190-00016538

Lender

Name	WEST POINT BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	49 Months
Due	Jan 1, 2024

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HARDIN KY
Recording Date	Mar 19, 2020
Property Address	101 MAIN ST, WEST POINT, KY 40177-1435
Document Number	1487/1049
Book / Page	1487 / 1049
Instrument Date	Mar 13, 2020
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 434989, LOUISVILLE, KY 40253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 MAIN ST, WEST POINT, KY 40177-1435

Mortgage

Document Number	2303909
Date	Mar 19, 2020
Instrument	2303/909

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 13, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hardin County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Hardin County
Municipality	West Point City
Unified School District	Hardin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,358.00 (-10.57%)	$280,000 (-) Land $50,000 Building $230,000	$280,000 (-) Land $50,000 Building $230,000
2023		$280,000 Land $50,000 Building $230,000	$280,000 Land $50,000 Building $230,000
2021	$3,755.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 82 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	266 (1978–2026)
Claims Outside the SFHA	5 of 266
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 45 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 43 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 100 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARDIN CO. WATER DIST #1/FT. KNOX federal government · serves 23,600 people · EPA ID KY0470990
Water Source	Purchased surface water from HARDIN COUNTY WATER DISTRICT #1
Last State Inspection	Apr 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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