Hardin County property record for 118 Monroe St, Radcliff, KY 40160 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,764 sqft · built 1992 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $79,000 (Dec 2001) |
| Tax Bill | $1,041 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-20-10-375 |
| Primary APN | 180-20-10-375 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,764 sqft Living Area |
| Stories | 1 Story |
| Fireplace | Single |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Frame/Masonry |
| Lot Area | 10,019 sqft (0.23 acres) |
| Patio Area | 100 sqft Patio |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 118 MONROE ST |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HILLS LT 375 #15 |
| Legal Subdivision | WHISPERING HILLS |
| Legal Lot Number | 375 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 600 |
Source: Hardin County records · APN 180-20-10-375
Assessment roll updated April 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 MONROE ST, RADCLIFF, KY 40160-9039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2019 | Deed of Trust, Mortgage · VA Mortgage OCEANSIDE MORTGAGE CO |
| Dec 20, 2018 | Deed of Trust, Mortgage · VA Mortgage DITECH FINANCIAL LLC |
| Aug 02, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 28, 2001 · Amount on Record |
| Deed Sale | Dec 28, 2001 · Amount on Record |
| Deed Document Number | 0001020675 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 118 MONROE ST, RADCLIFF, KY 40160-9039 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2282/231 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 2282/231 |
| Instrument | 2282231255 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 118 MONROE ST, RADCLIFF, KY 40160-9039 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2254/1123 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 2254/1123 |
| Instrument | 20180-00015530 |
| Name | DITECH FINANCIAL LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 118 MONROE ST, RADCLIFF, KY 40160-9039 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 0022051099 |
|---|---|
| Date | Aug 02, 2017 |
| Book Page | 2205/1099 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2032 |
Source: Hardin County records · Assessment roll updated April 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | Radcliff City |
| Unified School District | Hardin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,041.00 (-5.88%) Disabled Person's exemption Additional exemption filed | $156,600 (+37.37%) Land $18,000 Building $138,600 | $156,600 (+37.37%) Land $18,000 Building $138,600 |
| 2023 | $114,000 (-) Land $14,100 Building $99,900 | $114,000 (-) Land $14,100 Building $99,900 | |
| 2022 | $114,000 Land $14,100 Building $99,900 | $114,000 Land $14,100 Building $99,900 | |
| 2021 | $1,106.00 |
Source: FEMA National Flood Hazard Layer, Hardin County (21093C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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