3185 Frogtown Rd, Loretto, KY 40037 Property Records

Marion County property record for 3185 Frogtown Rd, Loretto, KY 40037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,168 sqft · built 2004
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Last Sale	$127,800 (Aug 2011)
Tax Bill	$1,584 (2025)
Deeds & Mortgages	May 2017 Construction Loan Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031-006-04-03`

Property Details

APN / Parcel Number

Primary APN	`031-006-04-03`
Alternative APN	`79215`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,168 sqft Living Area
Gross Area	1,400 sqft
Family Room	Family Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	79215
Street Address	3185 FROGTOWN RD
City	LORETTO
State	KY
Zip	40037-7093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3185 FROGTOWN RD
Legal Subdivision	PHIL AND LOUANN DIVISION
Jurisdiction	MARION KY
Township / Civil Division	LORETTO
Census Block Group	2
Census Block	2006
Census Tract	970400

Owner

Source: Marion County records, as of May 22, 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	3185 FROGTOWN RD, LORETTO, KY 40037-7093
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2017	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2011 · Amount on Record
Deed Sale	Aug 6, 2011 · Amount on Record
Prior Sale	Dec 3, 2010 · Amount on Record
Deed Book / Page	287 / 803
Prior Transfer Date	Aug 5, 2008
Prior Transfer Doc	000273/004
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION KY
Property Address	3185 FROGTOWN RD, LORETTO, KY 40037-7093
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000410/648
Date	May 2, 2017
Book Page	410/648

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Apr 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Apr 18, 2021
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.62%
Index	3-Year CMT
Max Rate	10.6%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION KY
Property Address	3185 FROGTOWN RD, LORETTO, KY 40037-7093
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000450/427
Date	Oct 8, 2020
Book Page	450/427

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION KY
Property Address	3185 FROGTOWN RD, LORETTO, KY 40037-7093
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3185 FROGTOWN RD, LORETTO, KY 40037-7093

Mortgage

Document Number	000452/615
Date	Nov 20, 2020
Book Page	452/615

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	CAMPBELLSVILLE, KY 42719

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Oct 29, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Marion County assessment roll, as of May 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,584.00 (-1.86%)	$180,000 (-) Land $180,000	$180,000 (-) Land $180,000
2023	$1,614.00	$180,000 Land $180,000	$180,000 Land $180,000

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 May 23, 2023

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MARION COUNTY WATER DISTRICT serves 16,311 people · EPA ID KY0780268
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	50 / 3
kywimax Fixed Wireless · not low latency	25 / 5
T-Mobile Fixed Wireless	25 / 3

May also be available: Spectrum.

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