109 E Daugherty Ave, Bardstown, KY 40004 Property Records

Nelson County property record for 109 E Daugherty Ave, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,769 sqft · built 1942
Lot Size	0.119 acres (5,193 sqft)
Owner	Individual Name on Record
Last Sale	$41,500 (Nov 2018)
Tax Bill	$381 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`45NE0-13-025`

Property Details

APN / Parcel Number

Primary APN	`45NE0-13-025`
Alternative APN	`84906`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,769 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,193 sqft (0.119 acres)
Driveway	Concrete Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Account Number	84906
Street Address	109 E DAUGHERTY AVE
City	BARDSTOWN
State	KY
Zip	40004-1705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109 EAST DAUGHERTY
Legal Subdivision	HENRYS ADDITION
Legal Lot Number	HENRY,A
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	2
Census Block	2017
Census Tract	930303

Owner

Source: Nelson County records, as of August 26, 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	PO BOX 53, BARDSTOWN, KY 40004-0053
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit ABD FEDERAL CREDIT UNION
Oct 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage LINCOLN NATIONAL BANK
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit ABOUND FCU
Dec 13, 2018	Deed, Transfer
Nov 21, 2018	Special Warranty Deed, Transfer SOJOURNERS TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2018 · Amount on Record
Deed Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	201814227
Deed Book / Page	544 / 28
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Recording Date	Apr 24, 2026
Property Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Document Number	0000002598
Book / Page	1544 / 721
Instrument Date	Apr 20, 2026
Instrument	20262598
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002598,
Date	Apr 24, 2026
Book Page	1544/721
Instrument	20262598

Lender

Name	ABD FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 24, 2051

Interest

Rate	6.22%
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1225/379
Date	Oct 4, 2019
Book Page	M1225/379
Instrument	2019012316

Lender

Name	LINCOLN NATIONAL BANK
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2029

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705

Mortgage

Document Number	0M1417/652
Date	Mar 31, 2023
Book Page	M1417/652
Instrument	2023003330

Lender

Name	ABOUND FCU
Type	Credit Union
Address	40169

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON KY
Recording Date	Dec 13, 2018
Property Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Document Number	00D544/448
Book / Page	D544 / 448
Instrument Date	Dec 1, 2018
Instrument	2018015048
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$41.50
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 53, BARDSTOWN, KY 40004-0053

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NELSON KY
Recording Date	Nov 21, 2018
Property Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705
Document Number	00D544/028
Book / Page	D544 / 028
Instrument Date	Nov 1, 2018
Instrument	2018014227
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$41.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2001 ROSS AVE STE 2800, 2800, DALLAS, TX 75201-2930

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E DAUGHERTY AVE, BARDSTOWN, KY 40004-1705

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	$381.00 (-3.3%)	$113,500 (-) Building $113,500	$113,500 (-) Building $113,500
2024		$113,500 (-)	$113,500 (-)
2023	$394.00	$113,500	$113,500

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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