Hardin County property record for 1302 Main St, West Point, KY 40177
| Property Type | Commercial |
|---|---|
| Lot Size | 0.278 acres (12,153 sqft) |
| Owner | Company Name on Record |
| Last Sale | $210,000 (Dec 2018) |
| Tax Bill | $3,143 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Dec 2017 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 136-30-01-070 |
| Primary APN | 136-30-01-070 |
|---|
| Lot Area | 12,153 sqft (0.278 acres) |
|---|
| Street Address | 1302 MAIN ST |
|---|---|
| City | WEST POINT |
| State | KY |
| Zip | 40177-1036 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | GEOGHEGAN ADD LT17&45 PT |
| Legal Subdivision | GEOGHEGAN ADD |
| Legal Lot Number | 17-45 45 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | WEST POINT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 100 |
Source: Hardin County records, as of January 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 401 RYLAND ST STE 200A, 200A, RENO, NV 89502-1672 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 9, 2023 | Deed, Transfer · Seller Carry-Back MITCHELL KIRKMAN |
| Dec 14, 2017 | Deed of Trust, Mortgage EVANSVILLE TEACHERS FCU |
| Apr 6, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 20, 2018 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2018 · Amount on Record |
| Deed Sale | Dec 20, 2018 · Amount on Record |
| Prior Sale | Dec 20, 2018 · Amount on Record |
| Deed Document Number | 001466/860 |
| Deed Book / Page | 1466 / 860 |
| Last Transfer Date | May 9, 2023 |
| Transfer Doc | 01551/1582 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | May 9, 2023 |
| Property Address | 1302 MAIN ST, WEST POINT, KY 40177-1036 |
| Document Number | 01551/1582 |
| Book / Page | 1551 / 1582 |
| Instrument Date | May 5, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 303 CHERRYWOOD DR, VINE GROVE, KY 40175-1365 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 401 RYLAND ST, RENO, NV 89502-1659 |
| Document Number | 0002480988 |
|---|---|
| Date | May 9, 2023 |
| Instrument | 2480/988 |
| Name | MITCHELL KIRKMAN |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 5, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 1302 MAIN ST, WEST POINT, KY 40177-1026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2218/1433 |
|---|---|
| Date | Dec 14, 2017 |
| Book Page | 2218/1433 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Dec 1, 2032 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 1302 MAIN ST, WEST POINT, KY 40177-1026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2306/1 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 2306/1 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Dec 20, 2018 |
| Property Address | 1302 MAIN ST, WEST POINT, KY 40177-1026 |
| Document Number | 1466/860 |
| Book / Page | 1466 / 860 |
| Instrument Date | Dec 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1302 MAIN ST, WEST POINT, KY 40177-1026 |
| Document Number | 02254/1166 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 2254/1166 |
| Instrument | 20180-00015555 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
Source: Hardin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | West Point City |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,143.00 (+9.47%) | $245,000 (+16.67%) Land $50,000 Building $195,000 | $245,000 (+16.67%) Land $50,000 Building $195,000 |
| 2023 | $210,000 Land $15,000 Building $195,000 | $210,000 Land $15,000 Building $195,000 | |
| 2021 | $2,871.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 82 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 266 (1978–2026) |
| Claims Outside the SFHA | 5 of 266 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 | Direct burnable vegetation |
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 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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