Hardin County property record for 122 Monroe St, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,121 sqft · built 1992 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,995 (Mar 2018) |
| Tax Bill | $1,500 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-20-10-373 |
| Primary APN | 180-20-10-373 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,121 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Raised Ranch |
| Exterior Material | Frame/Masonry |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 85 sqft |
| Patio Area | 420 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 122 MONROE ST |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HILLS LT 373 #15 |
| Legal Subdivision | WHISPERING HILLS |
| Legal Tract | 373 |
| Legal Lot Number | 373 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 600 |
Source: Hardin County assessment roll, as of April 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Mar 15, 2018 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL |
| Dec 5, 2018 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL |
| Mar 15, 2018 | Deed, Transfer |
| Mar 13, 2018 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 15, 2018 · Amount on Record |
| Deed Sale | Mar 15, 2018 · Amount on Record |
| Prior Sale | Mar 13, 2018 · Amount on Record |
| Deed Document Number | 0014531010 |
| Deed Book / Page | 1453 / 1010 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 2362/190 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 2362/190 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002226/0000001223 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 0000002226/0000001223 |
| Instrument | 010576950017 |
| Name | AMERIFIRST FINANCIAL |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2253/762 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 2253/762 |
| Instrument | 201800014987 |
| Name | AMERIFIRST FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Mar 15, 2018 |
| Property Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Document Number | 1453/1010 |
| Book / Page | 1453 / 1010 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 180-00002893 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Mar 13, 2018 |
| Property Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
| Document Number | 1453/1010 |
| Book / Page | 1453 / 1010 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 010576940003 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 122 MONROE ST, RADCLIFF, KY 40160-9039 |
Source: Hardin County assessment roll, as of April 1, 2025
| 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 | $1,500.00 (+53.69%) | $158,000 (+58%) Land $18,000 Building $140,000 | $158,000 (+58%) Land $18,000 Building $140,000 |
| 2023 | $100,000 (-) Land $14,100 Building $85,900 | $100,000 (-) Land $14,100 Building $85,900 | |
| 2022 | $100,000 Land $14,100 Building $85,900 | $100,000 Land $14,100 Building $85,900 | |
| 2021 | $976.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1997–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2017 · 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brandenburg Telecom Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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