Nelson County property record for 1012 Whispering Oak Loop, Bardstown, KY 40004
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,362 sqft · built 1999 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Jan 2019) |
| Tax Bill | $1,499 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Nov 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 62000-00-047.19 |
| Primary APN | 62000-00-047.19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,362 sqft Living Area |
| 1st Floor Area | 1,362 sqft |
| Basement Area | 1,362 sqft |
| Unfinished Basement | 1,362 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 85141 |
|---|---|
| Street Address | 1012 WHISPERING OAK LOOP |
| City | BARDSTOWN |
| State | KY |
| Zip | 40004-8771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING OAKS LT 12 PC4-18 |
| Legal Subdivision | WHISPERING OAKS |
| Legal Lot Number | 12 |
| Jurisdiction | NELSON KY |
| Township / Civil Division | BARDSTOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 930305 |
Source: Nelson County records, as of August 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · Line of Credit CHEMCO FCU |
| Nov 30, 2021 | Deed of Trust, Mortgage · Line of Credit CHEMCO FCU |
| Sep 12, 2019 | Deed of Trust, Mortgage · Commercial Mortgage LINCOLN NATIONAL BANK |
| Aug 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Jan 23, 2019 | Deed, Construction Loan · Construction Mortgage LINCOLN NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on Record |
| Deed Sale | Jan 23, 2019 · Amount on Record |
| Deed Document Number | 2019962 |
| Deed Book / Page | 545 / 407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M1354/448 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | M1354/448 |
| Instrument | 2021015945 |
| Name | CHEMCO FCU |
|---|---|
| Type | Credit Union |
| Address | BARDSTOWN, KY 40004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 24, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0M1354/448 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | M1354/448 |
| Instrument | 2021015944 |
| Name | CHEMCO FCU |
|---|---|
| Type | Credit Union |
| Address | BARDSTOWN, KY 40004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 24, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2019 |
| Name | Verified Name |
|---|
| Document Number | M1222/004 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | M1222/004 |
| Instrument | 2019011208 |
| Name | LINCOLN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | BARDSTOWN, KY 40004 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 23, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2019 |
| Title Company | WHITNEY MEREDITH LAW & TITLE |
| Name | Verified Name |
|---|
| Document Number | M1219/389 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | M1219/389 |
| Instrument | 2019010445 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | Jan 23, 2019 |
| Property Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Document Number | D545/407 |
| Book / Page | D545 / 407 |
| Map Reference | CAB 4 SLOT 18 |
| Instrument Date | Jan 16, 2019 |
| Instrument | 2019000962 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 DEER LAKE RD, 415, ELIZABETHTOWN, KY 42701-6983 |
| Name | Verified Name |
|---|---|
| Address | 1012 WHISPERING OAK LOOP, BARDSTOWN, KY 40004-8771 |
| Document Number | 2019000963 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 2019000963 |
| Name | LINCOLN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 16, 2020 |
Source: Nelson County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Nelson County |
| Unified School District | Nelson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,499.00 (-7.3%) Homeowner's exemption | $193,500 (-) Land $193,500 | $193,500 (-) Land $193,500 |
| 2023 | $1,617.00 Homeowner's exemption | $193,500 | $193,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BARDSTOWN MUNICIPAL WATER DEPT serves 31,185 people · EPA ID KY0900017 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Nov 2018 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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