Marshall County property record for 345 Commerce St, Hardin, KY 42048
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,388 sqft · built 1954 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $81,000 (May 2022) |
| Tax Bill | $941 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 0H-01-04-006 |
| Primary APN | 0H-01-04-006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,388 sqft Living Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Lot Area | 26,572 sqft (0.61 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Account Number | 1089350 |
|---|---|
| Street Address | 345 COMMERCE ST |
| City | HARDIN |
| State | KY |
| Zip | 42048-9025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | MARSHALL KY |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 950502 |
345 Commerce St is owned and occupied by two individuals who bought it in May 2022.
Source: Marshall County records, as of April 14, 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 | 345 COMMERCE ST, HARDIN, KY 42048-9025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on File |
| Deed Sale | May 11, 2022 · Amount on File |
| Prior Sale | Jul 5, 2006 · Amount on File |
| Deed Document Number | 2022496569 |
| Deed Book / Page | 496 / 569 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MARSHALL KY |
| Recording Date | May 11, 2022 |
| Property Address | 345 COMMERCE ST, HARDIN, KY 42048-9025 |
| Document Number | 000496/569 |
| Book / Page | 496 / 569 |
| Instrument Date | May 11, 2022 |
| Instrument | 1079509 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $81.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 35 WADESBORO RD, DEXTER, KY 42036-9527 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 345 COMMERCE ST, HARDIN, KY 42048-9025 |
| Document Number | 0001079517 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 1079517 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 345 Commerce St was $941.
Source: Marshall County assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Marshall County |
| Municipality | Hardin City |
| Unified School District | Marshall County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $941.00 | $81,000 Land $10,000 Building $71,000 | $81,000 Land $10,000 Building $71,000 |
| 2023 | $951.00 | $81,000 | |
| 2022 | $53,000 Land $8,000 Building $45,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 345 Commerce St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Most Recent Claim | Jun 2017 · river or lake flooding |
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 risk around 345 Commerce St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 WATER DEPARTMENT serves 1,606 people · EPA ID KY0790173 |
|---|---|
| Water Source | Purchased groundwater from BENTON WATER & SEWER |
| Last State Inspection | May 2024 |
| Also Mapped Here | JONATHAN CREEK WATER DISTRICT |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| West Kentucky Rural Telephone Cooperative Fiber | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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