2845 Loretto Rd, Bardstown, KY 40004 Property Records

Nelson County property record for 2845 Loretto Rd, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1975
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Tax Bill	$666 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56000-00-029`

Property Details

APN / Parcel Number

Primary APN	`56000-00-029`
Alternative APN	`86853`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)
Driveway	Gravel Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	86853
Street Address	2845 LORETTO RD
City	BARDSTOWN
State	KY
Zip	40004-9328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2845 LORETTO ROAD
Legal Subdivision	SURVEY OF URBAN E SCHAFFNER
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	1
Census Block	1001
Census Tract	930500

Owner

Source: Nelson County records, as of August 26, 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	2845 LORETTO RD, BARDSTOWN, KY 40004-9328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 21, 2014
Transfer Doc	00D500/251
Record Updated	Oct 29, 2026

December 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NELSON KY
Recording Date	Dec 9, 2019
Property Address	2845 LORETTO RD, BARDSTOWN, KY 40004-9328
Document Number	D555/272
Book / Page	D555 / 272
Instrument Date	Dec 2, 2019
Instrument	2019014967
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 LORETTO RD, BARDSTOWN, KY 40004-9328

Mortgage

Document Number	2019014968
Date	Dec 9, 2019
Instrument	2019014968

Lender

Name	LINCOLN NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 3, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Nelson County
Unified School District	Nelson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$666.00 (-44.55%)	$106,900 (-) Building $106,900	$106,900 (-) Building $106,900
2023	$1,201.00	$106,900	$106,900

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 · 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
Nearby Flood Claims	8 (1997–2020)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Jun 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 3 claims

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 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.

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30