3574 Millerstown Rd, Upton, KY 42784 Property Records

Hardin County property record for 3574 Millerstown Rd, Upton, KY 42784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,914 sqft · built 2005
Lot Size	7.67 acres (334,105 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Oct 2023)
Tax Bill	$4,327 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`156-00-00-021.01`

Property Details

APN / Parcel Number

Primary APN	`156-00-00-021.01`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,914 sqft Living Area
Basement Area	1,669 sqft
Unfinished Basement	1,669 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	334,105 sqft (7.67 acres)
Garage Type	Attached
Garage Area	648 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3574 MILLERSTOWN RD
City	UPTON
State	KY
Zip	42784-9435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRUSE SUBD LT 1A #1
Legal Subdivision	CRUSE SUBD
Legal Lot Number	1A
Jurisdiction	HARDIN KY
Township / Civil Division	SONORA
Census Block Group	3
Census Block	3019
Census Tract	1602

Owner

3574 Millerstown Rd is owned and occupied by an individual who bought it in October 2023.

Source: Hardin County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Line of Credit WEST POINT BANK
Apr 3, 2023	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Oct 20, 2011	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY NEIGHBORHOOD BANK INC
Mar 2, 2026	Divorce Transfer, Transfer
Jul 1, 2021	Deed, Transfer · VA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Book / Page	1560 / 53
Prior Transfer Date	Mar 29, 2017
Prior Transfer Doc	1438000001
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435

Mortgage

Document Number	002385/627
Date	Jun 11, 2021
Book Page	2385/627

Lender

Name	WEST POINT BANK
Type	Bank
Address	RADCLIFF, KY 40159

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2022

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435

Mortgage

Document Number	002476/368
Date	Apr 3, 2023
Book Page	2476/368

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	459 Months
Due	Jul 1, 2061

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	KINKEAD LAW OFFICE AND TITLE COMPANY, KINKEAD LAW OFFICE & TITLE C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001992/956
Date	Oct 20, 2011
Book Page	1992/956

Lender

Name	KENTUCKY NEIGHBORHOOD BANK INC
Type	Bank
Address	ELIZABETHTOWN, KY 42701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2031

March 2026: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	HARDIN KY
Recording Date	Mar 2, 2026
Property Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435
Document Number	001597/829
Book / Page	1597 / 829
Map Reference	CAB 1 SH 3217
Instrument Date	Feb 27, 2026
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 PAWLEY LN, RINEYVILLE, KY 40162-9320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Jul 1, 2021
Property Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435
Document Number	01514/1217
Book / Page	1514 / 1217
Map Reference	CAB 1 SH 3217
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	550 SAINT JOHN RD, ELIZABETHTOWN, KY 42701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3574 MILLERSTOWN RD, UPTON, KY 42784-9435

Mortgage

Document Number	0023881239
Date	Jul 1, 2021
Instrument	2388/1239

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3574 Millerstown Rd was $4,327.

Source: Hardin County assessment roll, as of January 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,327.00	$465,000 Land $21,500 Building $443,500	$465,000 Land $21,500 Building $443,500
2023		$465,000 Land $21,500 Building $443,500	$465,000 Land $21,500 Building $443,500
2021	$1,975.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3574 Millerstown Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 2022

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

Wildfire risk around 3574 Millerstown Rd is low, with a 0.02% annual chance of 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	0.02% 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	HARDIN COUNTY WATER DISTRICT #2 serves 76,326 people · EPA ID KY0470175
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	6 ppb (2022–2024) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

May also be available: AT&T, Telecast Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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