Marshall County property record for 281 Commerce St, Hardin, KY 42048
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 1.5 ba · 1,380 sqft · built 1933 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Company Name on Record |
| Last Sale | $14,000 (Mar 2021) |
| Tax Bill | $5,804 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 0H-01-04-010 |
| Primary APN | 0H-01-04-010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,380 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1072240 |
|---|---|
| Street Address | 281 COMMERCE ST |
| City | HARDIN |
| State | KY |
| Zip | 42048-9052 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Jurisdiction | MARSHALL KY |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 950502 |
Source: Marshall County records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3671 MURRAY HWY, HARDIN, KY 42048-9113 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage FNB BANK NA |
| Jul 29, 2021 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY FINANCIAL SERVICES BANK |
| Sep 16, 2021 | Correction Deed |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2021 · Amount on Record |
| Deed Sale | Mar 19, 2021 · Amount on Record |
| Prior Sale | Apr 22, 2016 · Amount on Record |
| Deed Document Number | 20211036243 |
| Deed Book / Page | 484 / 674 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARSHALL KY |
| Property Address | 281 COMMERCE ST, HARDIN, KY 42048-9052 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Title Company | HOME TEAM TITLE, HOME TEAM TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3671 MURRAY HWY, HARDIN, KY 42048-9113 |
| Document Number | 0001007/75 |
|---|---|
| Date | Apr 18, 2022 |
| Book Page | 1007/75 |
| Instrument | 1079058 |
| Name | FNB BANK NA |
|---|---|
| Type | Bank |
| Address | MAYFIELD, KY 42066 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Apr 10, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARSHALL KY |
| Property Address | 281 COMMERCE ST, HARDIN, KY 42048-9052 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3671 MURRAY HWY, HARDIN, KY 42048-9113 |
| Document Number | MTG982/346 |
|---|---|
| Date | Jul 29, 2021 |
| Book Page | MTG 982/346 |
| Instrument | 1039094 |
| Name | COMMUNITY FINANCIAL SERVICES BANK |
|---|---|
| Type | Bank |
| Address | BENTON, KY 42025 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 29, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MARSHALL KY |
| Recording Date | Sep 16, 2021 |
| Property Address | 281 COMMERCE ST, HARDIN, KY 42048-9052 |
| Document Number | DEED490/163 |
| Book / Page | DEED 490 / 163 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 1040047 |
| Record Updated | Jan 30, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 533 SHERWOOD DR, GILBERTSVILLE, KY 42044-8615 |
| Name | Verified Name |
|---|---|
| Address | 3671 MURRAY HWY, HARDIN, KY 42048-9113 |
Source: Marshall County assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Marshall County |
| Municipality | Hardin City |
| Unified School District | Marshall County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,804.00 (+684.32%) | $63,000 (-) Land $8,000 Building $55,000 | $63,000 (+36.22%) Land $8,000 Building $55,000 |
| 2023 | $740.00 | $63,000 | |
| 2022 | $46,250 Land $8,000 Building $38,250 |
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 January 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Most Recent Claim | Jun 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 94% of the US · lower than 94% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 WATER DEPARTMENT serves 1,606 people · EPA ID KY0790173 |
|---|---|
| Water Source | Purchased groundwater from BENTON WATER & SEWER |
| Last State Inspection | May 2024 |
| Also Mapped Here | JONATHAN CREEK WATER DISTRICT |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| West Kentucky Rural Telephone Cooperative Fiber | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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