397 Waterfowl Loop, Rineyville, KY 40162 Property Records

Hardin County property record for 397 Waterfowl Loop, Rineyville, KY 40162

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,926 sqft · built 2005
Lot Size	0.706 acres (30,753 sqft)
Owner	2 Individual Names on File
Last Sale	$276,000 (May 2023)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-00-01-231`

Property Details

APN / Parcel Number

Primary APN	`122-00-01-231`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	30,753 sqft (0.706 acres)
Garage Type	Attached
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	397 WATERFOWL LOOP
City	RINEYVILLE
State	KY
Zip	40162-9473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAVISTA EST LT231 #6
Legal Subdivision	LAVISTA EST
Legal Block	1
Legal Lot Number	231
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	4
Census Block	4009
Census Tract	904

Owner

397 Waterfowl Loop is owned and occupied by two individuals who bought it in May 2023.

Source: Hardin County records, as of January 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	397 WATERFOWL LOOP, RINEYVILLE, KY 40162-9473
Occupancy	Owner Occupied
Owner Type	Individual

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
May 2, 2023	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
May 2, 2023	Deed, Transfer · FHA Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2023 · Amount on File
Deed Sale	May 2, 2023 · Amount on File
Prior Sale	Mar 15, 2005 · Amount on File
Deed Book / Page	1551 / 1009
Prior Transfer Date	Mar 9, 2005
Prior Transfer Doc	1146/211
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	397 WATERFOWL LOOP, RINEYVILLE, KY 40162-9473
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	SIGNATURE TITLE, SIGNATURE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 WATERFOWL LOOP, RINEYVILLE, KY 40162-9473

Mortgage

Document Number	002479/974
Date	May 2, 2023
Book Page	2479/974

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 1, 2033

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	May 2, 2023
Property Address	397 WATERFOWL LOOP, RINEYVILLE, KY 40162-9473
Document Number	01551/1009
Book / Page	1551 / 1009
Map Reference	CAB 1 SH 3739
Instrument Date	Apr 28, 2023
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	SIGNATURE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	397 WATERFOWL LOOP, RINEYVILLE, KY 40162-9473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 WATERFOWL LOOP, RINEYVILLE, KY 40162-9473

Mortgage

Document Number	002479/958
Date	May 2, 2023
Book Page	2479/958

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 397 Waterfowl Loop was $2,611.

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	$2,611.00	$276,000 Land $27,400 Building $248,600	$276,000 Land $27,400 Building $248,600
2023		$193,000 Land $27,400 Building $165,600	$193,000 Land $27,400 Building $165,600
2021	$1,873.00

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

Flood

FEMA maps place 397 Waterfowl Loop 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 397 Waterfowl Loop 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 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	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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Windstream Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waterfowl Loop

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