105 Joy Ct, Radcliff, KY 40160 Property Records

Hardin County property record for 105 Joy Ct, Radcliff, KY 40160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 2000
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Feb 2023)
Tax Bill	$1,972 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`162-00-0C-178.01`

Property Details

APN / Parcel Number

Primary APN	`162-00-0C-178.01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,716 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2000
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.269 acres)
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	105 JOY CT
City	RADCLIFF
State	KY
Zip	40160-9408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP TERRACE LT 177A #2
Legal Subdivision	HILLTOP TERRACE
Legal Lot Number	177A
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	2
Census Block	2012
Census Tract	902

Owner

Source: Hardin County records, as of January 16, 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	105 JOY CT, RADCLIFF, KY 40160-9408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Oct 28, 2021	Warranty Deed, Transfer · Conventional Mortgage STATEWIDE MORTGAGE LLC
Dec 1, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Jun 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Oct 28, 2021 · Amount on Record
Deed Document Number	0001548391
Deed Book / Page	1548 / 391
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN KY
Recording Date	Feb 21, 2023
Property Address	105 JOY CT, RADCLIFF, KY 40160-9408
Document Number	001548/391
Book / Page	1548 / 391
Map Reference	CAB 1 SH 866
Instrument Date	Feb 17, 2023
Transaction Type	Transfer
Record Updated	Mar 13, 2023
Title Company	ACUITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 JOY CT, RADCLIFF, KY 40160-9408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 JOY CT, RADCLIFF, KY 40160-9408

Mortgage

Document Number	02471/1329
Date	Feb 21, 2023
Book Page	2471/1329

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN KY
Recording Date	Oct 28, 2021
Property Address	105 JOY CT, RADCLIFF, KY 40160-9408
Document Number	1522/279
Book / Page	1522 / 279
Map Reference	CAB 1 SH 866
Instrument Date	Oct 27, 2021
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	LOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2109 HORNBACK LN, 2109, FAIRDALE, KY 40118-9727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 JOY CT, RADCLIFF, KY 40160-9408

Mortgage

Document Number	2410/823
Date	Oct 28, 2021
Book Page	2410/823

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	105 JOY CT, RADCLIFF, KY 40160-9408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2348/1280
Date	Dec 1, 2020
Book Page	2348/1280

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Jul 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	105 JOY CT, RADCLIFF, KY 40160-9408
Transaction Type	Mortgage
Record Updated	Mar 11, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2299/951
Date	Feb 18, 2020
Book Page	2299/951
Instrument	20200-00002097

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	105 JOY CT, RADCLIFF, KY 40160-9408
Transaction Type	Mortgage
Record Updated	Jun 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2269/1288
Date	Jun 4, 2019
Book Page	2269/1288
Instrument	20190-00006802

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2048

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	$1,972.00 (+47.16%)	$210,000 (+5.26%) Land $20,000 Building $190,000	$210,000 (+5.26%) Land $20,000 Building $190,000
2023		$199,500 (-) Land $18,500 Building $181,000	$199,500 (-) Land $18,500 Building $181,000
2022		$199,500 Land $18,500 Building $181,000	$199,500 Land $18,500 Building $181,000
2021	$1,340.00

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 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

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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