113 Reuben Smith Rd, Loretto, KY 40037 Property Records

Marion County property record for 113 Reuben Smith Rd, Loretto, KY 40037

Property Summary

Property Type	Single Family Home
Details	1,260 sqft · built 2019
Lot Size	11.7 acres (509,652 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Nov 2022)
Tax Bill	$668 (2025)
Deeds & Mortgages	Jan 2019 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009-005B`

Property Details

APN / Parcel Number

Primary APN	`009-005B`
Alternative APNs	`80206` `72762`

Interior

Stories	1 Story
Building Area	1,260 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Lot Area	509,652 sqft (11.7 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	72762
Street Address	113 REUBEN SMITH RD
City	LORETTO
State	KY
Zip	40037-8173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	113 RUEBEN SMITH RD
Legal Subdivision	ISADORE HAGAN PROPERTY
Jurisdiction	MARION KY
Township / Civil Division	LORETTO
Census Block Group	1
Census Block	1017
Census Tract	970400

Owner

Source: Marion County records, as of May 22, 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	113 REUBEN SMITH RD, LORETTO, KY 40037-8173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2019	Deed of Trust, Mortgage · Commercial Mortgage WILSON & MUIR BANK & TRUST CO
May 18, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage WILSON & MUIR BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Oct 26, 2013 · Amount on Record
Deed Document Number	2022235763
Deed Book / Page	354 / 239
Prior Transfer Date	Apr 21, 2022
Prior Transfer Doc	0000233763
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION KY
Property Address	113 REUBEN SMITH RD, LORETTO, KY 40037-8173
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000427/674
Date	Jan 7, 2019
Book Page	427/674

Lender

Name	WILSON & MUIR BANK & TRUST CO
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 31, 2033

Interest

Rate Type	Adjustable Rate

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION KY
Recording Date	May 18, 2022
Property Address	113 REUBEN SMITH RD, LORETTO, KY 40037-8173
Document Number	0000351/56
Book / Page	351 / 56
Map Reference	MB 115 PG 215
Instrument Date	Apr 21, 2022
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 REUBEN SMITH RD, LORETTO, KY 40037-8175

Mortgage

Document Number	0000477395
Date	May 18, 2022
Instrument	477/395

Lender

Name	WILSON & MUIR BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Marion County assessment roll, as of May 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$668.00 (+31.5%) Homeowner's exemption	$125,000 (+21.36%) Land $5,000 Building $120,000	$125,000 (+21.36%) Land $5,000 Building $120,000
2023	$508.00 Homeowner's exemption	$103,000 Land $4,000 Building $99,000	$103,000 Land $4,000 Building $99,000

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 23, 2023

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	0.02% 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	MARION COUNTY WATER DISTRICT serves 16,311 people · EPA ID KY0780268
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	6 ppb (2024–2026) 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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