Hardin County property record for 344 College St, Upton, KY 42784
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,813 sqft · built 1891 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Dec 2025) |
| Tax Bill | $1,246 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Sep 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 196-30-00-046 |
| Primary APN | 196-30-00-046 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,813 sqft Living Area |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 47,480 sqft (1.09 acres) |
| Garage Area | 1,536 sqft |
| Parking Spaces | 6 Parking Spaces |
| Patio Area | 112 sqft |
| Street Address | 344 COLLEGE ST |
|---|---|
| City | UPTON |
| State | KY |
| Zip | 42784-9709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | SONORA |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 1602 |
Source: Hardin County records · APN 196-30-00-046
Assessment roll updated January 20, 2026 · Last verified April 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 | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 26, 2020 | Deed of Trust, Mortgage WEST POINT BANK |
| Sep 28, 2023 | Deed of Trust, Mortgage · Line of Credit WEST POINT BANK |
| Aug 05, 2025 | Deed of Trust, Mortgage · Line of Credit WEST POINT BANK |
| Dec 23, 2025 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on Record |
| Deed Sale | Dec 23, 2025 · Amount on Record |
| Prior Sale | Nov 24, 2010 · Amount on Record |
| Deed Book / Page | 1594 / 1415 |
| Prior Transfer Date | Dec 31, 2012 |
| Prior Transfer Doc | 1373/074 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | UNKNOWN, COLLIER TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 002319/486 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 2319/486 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Address | RADCLIFF, KY 40159 |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Jun 08, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Document Number | 0002497/40 |
|---|---|
| Date | Sep 28, 2023 |
| Book Page | 2497/40 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Address | RADCLIFF, KY 40159 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 22, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Document Number | 02574/1296 |
|---|---|
| Date | Aug 05, 2025 |
| Book Page | 2574/1296 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Address | HODGENVILLE, KY 42748 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 25, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Dec 23, 2025 |
| Property Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Document Number | 01594/1415 |
| Book / Page | 1594 / 1415 |
| Instrument Date | Dec 23, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2627 JENKINS RD, UPTON, KY 42784-9626 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 344 COLLEGE ST, UPTON, KY 42784-9709 |
| Document Number | 0002595587 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 2595/587 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
Source: Hardin County records · Assessment roll updated January 20, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | Upton City |
| Unified School District | Hardin County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,246.00 (+4.97%) | $102,000 (-) Land $12,300 Building $89,700 | $102,000 (-) Land $12,300 Building $89,700 |
| 2023 | $102,000 Land $12,300 Building $89,700 | $102,000 Land $12,300 Building $89,700 | |
| 2021 | $1,187.00 |
Source: FEMA National Flood Hazard Layer as of October 15, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brandenburg Communications Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Uniti Group DSL | 200 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 59 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HARDIN COUNTY WATER DISTRICT #2 serves 76,326 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures