397 Flatrock Rd, Elizabethtown, KY 42701 Property Records

Hardin County property record for 397 Flatrock Rd, Elizabethtown, KY 42701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,746 sqft · built 1999
Lot Size	0.742 acres (32,322 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (Sep 2020)
Tax Bill	$2,204 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`187-00-02-037`

Property Details

APN / Parcel Number

Primary APN	`187-00-02-037`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,746 sqft Living Area
Attic Area	2,322 sqft

Exterior

Year Built	Built 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	32,322 sqft (0.742 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Porch
Porch Area	382 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	397 FLATROCK RD
City	ELIZABETHTOWN
State	KY
Zip	42701-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BACON CRK MEADOWS LT 37 #3
Legal Subdivision	BACON CRK
Legal Lot Number	37
Jurisdiction	HARDIN KY
Township / Civil Division	ELIZABETHTOWN
Census Block Group	2
Census Block	2075
Census Tract	1701

Owner

Source: Hardin County records, as of January 16, 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
Co-owner	2 Co-owners on Record
Mailing Address	397 FLATROCK RD, ELIZABETHTOWN, KY 42701-7320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2018	Deed of Trust, Mortgage · FHA Mortgage USAA FEDERAL SAVINGS BANK
Sep 29, 2020	Deed, Transfer · VA Mortgage COMMONWEALTH BANK & TRUST CO
Jul 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	0001498139
Deed Book / Page	1498 / 139
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	397 FLATROCK RD, ELIZABETHTOWN, KY 42701-7320
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002241/0000000777
Date	Jul 27, 2018
Book Page	0000002241/0000000777
Instrument	201800009522

Lender

Name	USAA FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	234 Months
Due	Jan 1, 2038

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Sep 29, 2020
Property Address	397 FLATROCK RD, ELIZABETHTOWN, KY 42701-7320
Document Number	1498/139
Book / Page	1498 / 139
Map Reference	CAB 1 SH 2314
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14771 JASMIN MARIBEL DRIVE, 14771, EL PASO, TX 79938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 FLATROCK RD, ELIZABETHTOWN, KY 42701-7320

Mortgage

Document Number	2337325
Date	Sep 29, 2020
Instrument	2337/325

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN KY
Recording Date	Jul 27, 2018
Property Address	397 FLATROCK RD, ELIZABETHTOWN, KY 42701-7320
Document Number	1460/295
Book / Page	1460 / 295
Instrument Date	Jul 27, 2018
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 FLATROCK RD, ELIZABETHTOWN, KY 42701-7320

Tax Assessment & Valuation

Source: Hardin County assessment roll, as of April 1, 2025

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	$2,204.00 (-11.73%) Disabled Person's exemption Additional exemption filed	$280,300 (+7.85%) Land $20,000 Building $260,300	$280,300 (+7.85%) Land $20,000 Building $260,300
2023		$259,900 Land $17,300 Building $242,600	$259,900 Land $17,300 Building $242,600
2021	$2,497.00

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 Policies	8 in force

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 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Brandenburg Telecom Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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