1685 W Elm Rd, Radcliff, KY 40160 Property Records

Hardin County property record for 1685 W Elm Rd, Radcliff, KY 40160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,697 sqft · built 1974
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jul 2023)
Tax Bill	$2,025 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2019 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`140-30-01-006`

Property Details

APN / Parcel Number

Primary APN	`140-30-01-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,697 sqft Living Area
Basement Area	1,740 sqft
Unfinished Basement	1,740 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	15,682 sqft (0.36 acres)
Patio Area	88 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1685 W ELM RD
City	RADCLIFF
State	KY
Zip	40160-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORRAINE AC LT 06
Legal Subdivision	LORRAINE AC
Legal Tract	6
Legal Block	1
Legal Lot Number	6
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	2
Census Block	2017
Census Tract	300

Owner

Source: Hardin County records, as of May 21, 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	1685 W ELM RD, RADCLIFF, KY 40160-1927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 7, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 19, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 11, 2023	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2018	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
Jan 9, 2017	Quit Claim Deed, Transfer BLUEGRASS LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	May 14, 2018 · Amount on Record
Deed Book / Page	1554 / 1496
Prior Transfer Date	Jan 5, 2017
Prior Transfer Doc	001434/736
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00002596/1
Date	Dec 30, 2025
Book Page	2596/1

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02273/1325
Date	Jul 15, 2019
Book Page	2273/1325
Instrument	20190-00008989

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02357/1255
Date	Jan 21, 2021
Book Page	2357/1255

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002407/97
Date	Oct 7, 2021
Book Page	2407/97

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002449/713
Date	Jul 19, 2022
Book Page	2449/713

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Jul 11, 2023
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Document Number	01554/1496
Book / Page	1554 / 1496
Map Reference	CAB 1 SH 170A
Instrument Date	Jul 10, 2023
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 N BRISTOL ST, BEL AIRE, KS 67226-3174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 W ELM RD, RADCLIFF, KY 40160-1927

Mortgage

Document Number	0002488451
Date	Jul 11, 2023
Instrument	2488/451

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	May 14, 2018
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Document Number	01456/1076
Book / Page	1456 / 1076
Instrument Date	May 11, 2018
Instrument	180-00005579
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 W ELM RD, RADCLIFF, KY 40160-1927

Mortgage

Document Number	0000002233/0000000545
Date	May 14, 2018
Book Page	0000002233/0000000545
Instrument	180-00005579

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDIN KY
Recording Date	Jan 9, 2017
Property Address	1685 W ELM RD, RADCLIFF, KY 40160-1927
Document Number	001434/736
Book / Page	1434 / 736
Map Reference	PL 05 PG 49
Instrument Date	Jan 5, 2017
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1685 W ELM RD, RADCLIFF, KY 40160-1927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 W ELM RD, RADCLIFF, KY 40160-1927

Tax Assessment & Valuation

Source: Hardin County assessment roll, as of January 20, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Hardin County
Municipality	Radcliff City
Unified School District	Hardin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,025.00 (+713.25%) Disabled Person's exemption Additional exemption filed	$265,000 (+53.18%) Land $15,000 Building $250,000	$265,000 (+53.18%) Land $15,000 Building $250,000
2023		$173,000 (-) Land $14,700 Building $158,300	$173,000 (-) Land $14,700 Building $158,300
2022	$249.00 (-84.97%)	$173,000 Land $14,700 Building $158,300	$173,000 Land $14,700 Building $158,300
2021	$1,657.00

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 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	4 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VINE GROVE WATER DEPARTMENT serves 6,703 people · EPA ID KY0470440
Water Source	Purchased surface water from HARDIN COUNTY WATER DISTRICT #1
Last State Inspection	Apr 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jun 2025
Monitoring and Reporting	1 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 219 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

May also be available: Xfinity.

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