103 Sterling Ct, Bardstown, KY 40004 Property Records

Nelson County property record for 103 Sterling Ct, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1985
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,404 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44000-00-086`

Property Details

APN / Parcel Number

Primary APN	`44000-00-086`
Alternative APN	`52785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,007 sqft (0.62 acres)
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	52785
Street Address	103 STERLING CT
City	BARDSTOWN
State	KY
Zip	40004-9492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEFFIELD MANOR LT 4 PC1-196
Legal Subdivision	SHEFFIELD MANOR
Legal Lot Number	4
Jurisdiction	NELSON KY
Township / Civil Division	COXS CREEK
Census Block Group	1
Census Block	1010
Census Tract	930201

Owner

Source: Nelson County records, as of August 26, 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	2 Individual Names on Record
Mailing Address	103 STERLING CT, BARDSTOWN, KY 40004-9492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	103 STERLING CT, BARDSTOWN, KY 40004-9492
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 STERLING CT, BARDSTOWN, KY 40004-9492

Mortgage

Document Number	0M1407/118
Date	Dec 14, 2022
Book Page	M1407/118
Instrument	2022014480

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	473 Months
Due	May 11, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	103 STERLING CT, BARDSTOWN, KY 40004-9492
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1136/181
Date	Jun 12, 2017
Book Page	M1136/181
Instrument	2017006933

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Nelson County
Unified School District	Nelson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,404.00 (+0.04%)	$223,160 (-) Building $223,160	$223,160 (-) Building $223,160
2023	$2,403.00	$223,160	$223,160

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

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	NORTH NELSON WATER DISTRICT serves 13,365 people · EPA ID KY0900323
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	Under 1 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sterling Ct

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