103 Monroe St, Radcliff, KY 40160 Property Records

Hardin County property record for 103 Monroe St, Radcliff, KY 40160

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,509 sqft · built 1988
Lot Size	0.192 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (May 2022)
Tax Bill	$1,718 (2025)
Deeds & Mortgages	Mar 2019 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180-20-09-283`

Property Details

APN / Parcel Number

Primary APN	`180-20-09-283`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,509 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	8,407 sqft (0.192 acres)
Patio Area	126 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	103 MONROE ST
City	RADCLIFF
State	KY
Zip	40160-9040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS LT 283 #14
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	283
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	2
Census Block	2025
Census Tract	600

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	103 MONROE ST, RADCLIFF, KY 40160-9040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 25, 2022	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2022 · Amount on Record
Deed Sale	May 25, 2022 · Amount on Record
Prior Sale	Nov 8, 2013 · Amount on Record
Deed Document Number	0001535247
Deed Book / Page	1535 / 247
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	103 MONROE ST, RADCLIFF, KY 40160-9040
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLUEGRASS LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02262/1108
Date	Mar 29, 2019
Book Page	2262/1108
Instrument	20190-00003542

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	May 25, 2022
Property Address	103 MONROE ST, RADCLIFF, KY 40160-9040
Document Number	001535/247
Book / Page	1535 / 247
Map Reference	CAB 1 SH 74
Instrument Date	May 24, 2022
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	859 KERNS DR NE, BOLIVAR, OH 44612-8699

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7605 MACKIE LN, LOUISVILLE, KY 40214-4726

Mortgage

Document Number	0024421292
Date	May 25, 2022
Instrument	2442/1292

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$1,718.00 (+67.94%)	$182,000 (-) Land $18,000 Building $164,000	$182,000 (-) Land $18,000 Building $164,000
2023		$182,000 (+73.33%) Land $13,800 Building $168,200	$182,000 (+73.33%) Land $13,800 Building $168,200
2022		$105,000 Land $13,800 Building $91,200	$105,000 Land $13,800 Building $91,200
2021	$1,023.00

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 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	2 (1997–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2017 · 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	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.

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 122 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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