Hardin County property record for 109 Joy Ct, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,858 sqft · built 1999 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,491 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 162-00-0C-177 |
| Primary APN | 162-00-0C-177 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,858 sqft Living Area |
| Basement Area | 1,776 sqft |
| Finished Basement | 1,776 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Raised Ranch |
| Lot Area | 10,454 sqft (0.24 acres) |
| Patio Area | 179 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Heating System | Central |
|---|
| Street Address | 109 JOY CT |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLTOP TERRACE LT 177B #2 |
| Legal Subdivision | HILLTOP TERRACE |
| Legal Block | C |
| Legal Lot Number | 177B |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 902 |
109 Joy Ct is owned and occupied by two individuals.
Source: Hardin County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 JOY CT, RADCLIFF, KY 40160-9408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 109 Joy Ct was $1,491.
Source: Hardin County assessment roll, as of January 20, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | Radcliff City |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,491.00 | $157,000 Land $20,000 Building $137,000 | $157,000 Land $20,000 Building $137,000 |
| 2023 | $130,600 (-) Land $18,000 Building $112,600 | $130,600 (-) Land $18,000 Building $112,600 | |
| 2022 | $130,600 Land $18,000 Building $112,600 | $130,600 Land $18,000 Building $112,600 | |
| 2021 | $1,261.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Joy Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 risk around 109 Joy Ct is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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