224 N 3rd St, Bardstown, KY 40004 Property Records

Nelson County property record for 224 N 3rd St, Bardstown, KY 40004

Property Summary

Property Type	Commercial
Details	4,720 sqft · built 1920
Lot Size	0.21 acres (9,183 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jan 2017)
Tax Bill	$653 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45E00-12-008`

Property Details

APN / Parcel Number

Primary APN	`45E00-12-008`
Alternative APNs	`80810` `76157`

Interior

Total Rooms	2 Rooms
Stories	2 Stories
Building Area	4,720 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,183 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	76157
Street Address	224 N 3RD ST
City	BARDSTOWN
State	KY
Zip	40004-1541
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	224 N THIRD ST
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	2
Census Block	2049
Census Tract	930301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bardstown Historic District(Boundary Increase & Additional Documentation) listed 2010 · 54 contributing resources · NRIS 10000905

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Nelson County records, as of July 20, 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	111 E BROADWAY ST, BARDSTOWN, KY 40004-1501
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2017	Deed of Trust, Mortgage · Commercial Mortgage TOWN & COUNTRY BANK & TRUST CO
Jan 18, 2017	Deed, Transfer · Commercial Mortgage TOWN & COUNTRY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2017 · Amount on Record
Deed Sale	Jan 18, 2017 · Amount on Record
Deed Document Number	2017682
Deed Book / Page	524 / 652
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	224 N 3RD ST, BARDSTOWN, KY 40004-1528
Transaction Type	Mortgage
Record Updated	Mar 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1142/240
Date	Aug 8, 2017
Book Page	M1142/240
Instrument	2017009626

Lender

Name	TOWN & COUNTRY BANK & TRUST CO
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 7, 2022

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON KY
Recording Date	Jan 18, 2017
Property Address	224 N 3RD ST, BARDSTOWN, KY 40004-1528
Document Number	00D524/652
Book / Page	D524 / 652
Instrument Date	Jan 13, 2017
Instrument	2017000682
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 CROSS CREEK CT, COXS CREEK, KY 40013-6618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 ALLISON AVE, BARDSTOWN, KY 40004-1702

Mortgage

Document Number	2017000683
Date	Jan 18, 2017
Instrument	2017000683

Lender

Name	TOWN & COUNTRY BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 13, 2022

Tax Assessment & Valuation

Source: Nelson County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Bardstown City
County	Nelson County
Unified School District	Bardstown Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$653.00 (-1.21%)	$175,000 (-) Building $175,000	$175,000 (-) Building $175,000
2023	$661.00	$175,000	$175,000

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 October 15, 2025

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	0.01% annual chance
Exposure	Indirect within ember reach

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	BARDSTOWN MUNICIPAL WATER DEPT serves 31,185 people · EPA ID KY0900017
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Nov 2018
Monitoring and Reporting	3 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Bardstown Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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