102 E 1st St, Smiths Grove, KY 42171 Property Records

Warren County property record for 102 E 1st St, Smiths Grove, KY 42171

Property Summary

Property Type	Office Building
Details	1,990 sqft · built 1886
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,482 (May 2026)
Tax Bill	$491 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080B-01-141`

Property Details

APN / Parcel Number

Primary APN	`080B-01-141`
Alternative APNs	`G9979981` `263881`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	1,990 sqft Gross Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Street Address	102 E 1ST ST
City	SMITHS GROVE
State	KY
Zip	42171
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Subdivision	SURVEY OF RALPH ANDESON JR
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	1
Census Block	1047
Census Tract	11600

Historic Designation

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

Historic District	Within the Smiths Grove Historic District (Boundary Increase II & Additional Documentation) listed 2007 · 155 contributing resources · NRIS 06001194

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

Owner

Source: Warren County records, as of May 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	102 E 1ST ST, SMITHS GROVE, KY 42171
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK
Mar 7, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK
May 21, 2026	Deed, Transfer · Line of Credit GERMAN AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Jan 8, 2016 · Amount on Record
Deed Document Number	20262169700
Deed Book / Page	1344 / 71
Prior Transfer Date	Dec 29, 2010
Prior Transfer Doc	001015/529
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	102 E 1ST ST, SMITHS GROVE, KY 42171
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2948/135
Date	Jan 30, 2020
Book Page	M2948/135
Instrument	1127739

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jan 27, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	102 E 1ST ST, SMITHS GROVE, KY 42171
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3258/446
Date	Mar 7, 2022
Book Page	M3258/446
Instrument	1941830

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Mar 1, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	May 21, 2026
Document Number	0002169700
Book / Page	1344 / 71
Instrument Date	May 13, 2026
Instrument	20262169700
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	LAND TITLE, UPLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,904.48
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	102 E 1ST ST, SMITHS GROVE, KY 42171

Mortgage

Document Number	0002169700,
Date	May 21, 2026
Book Page	3647/743
Instrument	20262169700

Lender

Name	GERMAN AMERICAN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 13, 2029

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

Source: Warren County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Warren County
Municipality	Smiths Grove City
Unified School District	Warren County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$491.00 (-1.41%)	$50,000 (-)	$50,000 (-)
2023	$498.00	$50,000	$50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2023 · 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 Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1999 · rainfall accumulation

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	None beyond 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	WARREN COUNTY WATER DISTRICT serves 91,118 people · EPA ID KY1140487
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	2 ppb (2022–2024) 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: South Central Rural Telecommunications Cooperative.

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