Hardin County property record for 305 E Main St, Cecilia, KY 42724
| Property Type | Commercial |
|---|---|
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,100 (Nov 2025) |
| Tax Bill | $729 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 147-30-02-006 |
| Primary APN | 147-30-02-006 |
|---|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Street Address | 305 E MAIN ST |
|---|---|
| City | CECILIA |
| State | KY |
| Zip | 42724-9604 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | CITY/MUNI/TWP:HARDIN CO (NOT CITY LIMITS) |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | CECILIA |
| Census Block Group | 2 |
| Census Block | 2109 |
| Census Tract | 1701 |
Source: Hardin County records, as of January 16, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 10 CANONERO CT, ELIZABETHTOWN, KY 42701-9137 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed, Transfer · Commercial Mortgage THE CECILIAN BANK |
| Oct 2, 2020 | Deed of Trust, Mortgage · Commercial Mortgage THE CECILIAN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2025 · Amount on Record |
| Deed Sale | Nov 17, 2025 · Amount on Record |
| Deed Document Number | 0001593269 |
| Deed Book / Page | 1593 / 269 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Nov 17, 2025 |
| Property Address | 305 E MAIN ST, CECILIA, KY 42724-9604 |
| Document Number | 001593/269 |
| Book / Page | 1593 / 269 |
| Map Reference | CAB 1 SH 7648 |
| Instrument Date | Nov 14, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $199.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 E MAIN ST, CECILIA, KY 42724-9604 |
| Name | Verified Name |
|---|---|
| Address | 10 CANONERO CT, ELIZABETHTOWN, KY 42701-9137 |
| Document Number | 002589/934 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 2589/934 |
| Name | THE CECILIAN BANK |
|---|---|
| Type | Bank |
| Address | CECILIA, KY 42724 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 305 E MAIN ST, CECILIA, KY 42724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 305 E MAIN ST, CECILIA, KY 42724 |
| Document Number | 2337/1538 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 2337/1538 |
| Name | THE CECILIAN BANK |
|---|---|
| Type | Bank |
| Address | CECILIA, KY 42724 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Hardin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $729.00 (+19.51%) | $55,000 (-) Land $10,000 Building $45,000 | $55,000 (-) Land $10,000 Building $45,000 |
| 2023 | $55,000 Land $10,000 Building $45,000 | $55,000 Land $10,000 Building $45,000 | |
| 2021 | $610.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
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 96% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARDIN COUNTY WATER DISTRICT #2 serves 76,326 people · EPA ID KY0470175 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 6 ppb (2022–2024) 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Brandenburg Telecom Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 100 / 20 |
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