315 Shain Rd, Bardstown, KY 40004 Property Records

Nelson County property record for 315 Shain Rd, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,792 sqft · built 1994
Lot Size	20.4 acres (889,060 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Mar 2025)
Tax Bill	$3,025 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48000-00-105.03`

Property Details

APN / Parcel Number

Primary APN	`48000-00-105.03`
Alternative APNs	`130247` `85603`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,792 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	889,060 sqft (20.4 acres)
Garage Type	Attached
Garage Area	1,755 sqft
Driveway	Gravel Driveway
Parking Spaces	6 Parking Spaces
Pool Type	In-Ground Pool
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	130247
Street Address	315 SHAIN RD
City	BARDSTOWN
State	KY
Zip	40004-8358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	315 SHAIN DRIVE
Jurisdiction	NELSON KY
Township / Civil Division	NEW HAVEN
Census Block Group	1
Census Block	1008
Census Tract	930700

Owner

Source: Nelson County records, as of August 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	315 SHAIN RD, BARDSTOWN, KY 40004-8358
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Mar 18, 2025	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 22, 2019	Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2025 · Amount on File
Deed Sale	Mar 18, 2025 · Amount on File
Prior Sale	Apr 22, 2019 · Amount on File
Deed Document Number	20251543
Deed Book / Page	610 / 163
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	315 SHAIN RD, BARDSTOWN, KY 40004-8358
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1330/736
Date	Jul 23, 2021
Book Page	M1330/736
Instrument	2021009853

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON KY
Recording Date	Mar 18, 2025
Property Address	315 SHAIN RD, BARDSTOWN, KY 40004-8358
Document Number	00D610/163
Book / Page	D610 / 163
Instrument Date	Mar 18, 2025
Instrument	2025001543
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7540 MCDEVETT CIRA, FORT KNOX, KY 40121

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	315 SHAIN RD, BARDSTOWN, KY 40004-8358

Mortgage

Document Number	2025001544
Date	Mar 18, 2025
Instrument	2025001544

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON KY
Recording Date	Apr 22, 2019
Property Address	315 SHAIN RD, BARDSTOWN, KY 40004-8358
Document Number	00D548/134
Book / Page	D548 / 134
Instrument Date	Apr 10, 2019
Instrument	2019004579
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, COLLIER TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1627 BLUE GROUSE CIR, LEXINGTON, KY 40511-1375

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 SHAIN RD, BARDSTOWN, KY 40004-8358

Mortgage

Document Number	2019004580
Date	Apr 22, 2019
Instrument	2019004580

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

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	$3,025.00 (+12.08%) Homeowner's exemption	$354,160 (-)	$502,370 (-) Land $164,990 Building $337,380
2024		$354,160 (+18.05%)	$502,370 (+67.46%)
2023	$2,699.00 Homeowner's exemption	$300,000	$300,000

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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