103 E Daugherty Ave, Bardstown, KY 40004 Property Records

Nelson County property record for 103 E Daugherty Ave, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1960
Lot Size	0.173 acres (7,557 sqft)
Owner	Individual Name on Record
Last Sale	$183,000 (Jan 2022)
Tax Bill	$765 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45NE0-13-022`

Property Details

APN / Parcel Number

Primary APN	`45NE0-13-022`
Alternative APNs	`129296` `91758`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Family Room	Family Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,557 sqft (0.173 acres)
Garage Type	Detached
Garage Area	672 sqft
Driveway	Concrete Driveway
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	129296
Street Address	103 E DAUGHERTY AVE
City	BARDSTOWN
State	KY
Zip	40004-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	103 EAST DAUGHERTY
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	2
Census Block	2018
Census Tract	930303

Owner

Source: Nelson County records, as of July 20, 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	10 E DAUGHERTY AVE, BARDSTOWN, KY 40004
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Mar 28, 2018	Deed of Trust, Mortgage · Commercial Mortgage LINCOLN NATIONAL BANK
Jan 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage LINCOLN NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Feb 4, 2014 · Amount on Record
Deed Document Number	20221164
Deed Book / Page	578 / 409
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NELSON KY
Recording Date	Jan 31, 2022
Property Address	103 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Document Number	00D578/409
Book / Page	D578 / 409
Instrument Date	Jan 14, 2022
Instrument	2022001164
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 WEST FORESTDALE RD, 234, NEWPORT, KY 41072

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705

Mortgage

Document Number	2022001165
Date	Jan 31, 2022
Instrument	2022001165

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	103 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1164/045
Date	Mar 28, 2018
Book Page	M1164/045
Instrument	2018003438

Lender

Name	LINCOLN NATIONAL BANK
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 23, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	103 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1194/105
Date	Jan 4, 2019
Book Page	M1194/105
Instrument	2019000287

Lender

Name	LINCOLN NATIONAL BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 19, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Nelson County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Bardstown City
County	Nelson County
Unified School District	Bardstown Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$765.00 (+24.59%)	$250,000 (+36.61%) Building $250,000	$250,000 (+36.61%) Building $250,000
2023	$614.00	$183,000	$183,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · river or lake flooding

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Bardstown Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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