3199 Roberts Rd, Bardstown, KY 40004 Property Records

Nelson County property record for 3199 Roberts Rd, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,440 sqft · built 1990
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on File
Last Sale	$35,610 (Sep 2015)
Tax Bill	$3,142 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`57000-00-049.03`

Property Details

APN / Parcel Number

Primary APN	`57000-00-049.03`
Alternative APN	`77943`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	61,855 sqft (1.42 acres)
Garage Area	3,118 sqft
Driveway	Gravel Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	77943
Street Address	3199 ROBERTS RD
City	BARDSTOWN
State	KY
Zip	40004-9352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3199 ROBERTS ROAD
Legal Subdivision	JOHN Y HOWARD
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	1
Census Block	1008
Census Tract	930500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3199 ROBERTS RD, BARDSTOWN, KY 40004-9352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRA CU
Nov 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Dec 14, 2017	Deed of Trust, Mortgage · Construction Mortgage LINCOLN NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 2, 2015 · Amount on Record
Deed Sale	Sep 2, 2015 · Amount on Record
Deed Document Number	201510010
Deed Book / Page	511 / 789
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	3199 ROBERTS RD, BARDSTOWN, KY 40004-9352
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEGACY TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1289/696
Date	Dec 15, 2020
Book Page	M1289/696
Instrument	2020014617

Lender

Name	CENTRA CU
Type	Credit Union
Address	COLUMBUS, IN 47202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	3199 ROBERTS RD, BARDSTOWN, KY 40004-9352
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	WHITNEY MEREDITH LAW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1190/583
Date	Nov 29, 2018
Book Page	M1190/583
Instrument	2018014516

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	3199 ROBERTS RD, BARDSTOWN, KY 40004-9352
Transaction Type	Mortgage
Record Updated	Jan 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017015036
Date	Dec 14, 2017
Book Page	M1154/842
Instrument	2017015036

Lender

Name	LINCOLN NATIONAL BANK
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 1, 2018

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	$3,142.00 (+34.97%)	$321,860 (+49.08%) Land $15,000 Building $306,860	$321,860 (+49.08%) Land $15,000 Building $306,860
2023	$2,328.00	$215,900	$215,900

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL	25 / 5

May also be available: kywimax.

Cell Coverage

5G (outdoors only) and 4G LTE

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