102 Joy Ct, Radcliff, KY 40160 Property Records

Hardin County property record for 102 Joy Ct, Radcliff, KY 40160

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,955 sqft · built 1987
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$93,000 (Jan 2000)
Tax Bill	$1,444 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-00-0C-170`

Property Details

APN / Parcel Number

Primary APN	`162-00-0C-170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,955 sqft Living Area
Attic Area	78 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1987
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	411 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	102 JOY CT
City	RADCLIFF
State	KY
Zip	40160-9407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP TERRACE LT 170C #2
Legal Subdivision	HILLTOP TERRACE
Legal Lot Number	170C
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	2
Census Block	2012
Census Tract	902

Owner

102 Joy Ct is owned and occupied by two individuals who bought it in January 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	102 JOY CT, RADCLIFF, KY 40160-9407
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 12, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Jun 8, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2000 · Amount on File
Deed Sale	Jan 14, 2000 · Amount on File
Deed Document Number	0000957467
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	102 JOY CT, RADCLIFF, KY 40160-9407
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002432/413
Date	Mar 17, 2022
Book Page	2432/413

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	102 JOY CT, RADCLIFF, KY 40160-9407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2345/802
Date	Nov 12, 2020
Book Page	2345/802

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	102 JOY CT, RADCLIFF, KY 40160-9407
Transaction Type	Mortgage
Record Updated	Dec 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2289/1423
Date	Nov 26, 2019
Book Page	2289/1423
Instrument	20190-00015497

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	102 JOY CT, RADCLIFF, KY 40160-9407
Transaction Type	Mortgage
Record Updated	Jun 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002236/0000000502
Date	Jun 8, 2018
Book Page	0000002236/0000000502
Instrument	180-00006997

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	175 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 102 Joy Ct was $1,444 with exemptions applied.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,444.00 Homeowner's exemption Additional exemption filed	$201,000 Land $20,000 Building $181,000	$201,000 Land $20,000 Building $181,000
2023		$148,900 (-) Land $17,400 Building $131,500	$148,900 (-) Land $17,400 Building $131,500
2022		$148,900 Land $17,400 Building $131,500	$148,900 Land $17,400 Building $131,500
2021	$1,054.00

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

Flood

FEMA maps place 102 Joy Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective May 26, 2022 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · other causes

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

Wildfire risk around 102 Joy Ct is low, with a 0.01% annual chance of 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	HARDIN COUNTY WATER DISTRICT #1 serves 30,230 people · EPA ID KY0470393
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	3 ppb (2023–2025) 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 345 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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