Nelson County property record for 404 Susannah Ave, Bardstown, KY 40004
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,134 sqft |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $598 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Oct 2022 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 54S20-09-042 |
| Primary APN | 54S20-09-042 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,134 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 128573 |
|---|---|
| Street Address | 404 SUSANNAH AVE |
| City | BARDSTOWN |
| State | KY |
| Zip | 40004-7786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTAGE GROVE EST LT 50 PC3-143 |
| Legal Subdivision | COTTAGE GROVE EST |
| Legal Lot Number | 50 |
| Jurisdiction | NELSON KY |
| Township / Civil Division | BARDSTOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 930304 |
404 Susannah Ave is owned and occupied by an individual who acquired it in September 2024.
Source: Nelson County records, as of August 26, 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 | Individual Name on File |
|---|---|
| Mailing Address | 404 SUSANNAH AVE, BARDSTOWN, KY 40004-7786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 5, 2023 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage CITIZENS BANK NA |
| Oct 24, 2022 | Commissioner's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2024 |
| Deed Sale | Sep 11, 2024 |
| Prior Sale | May 5, 2023 · Amount on File |
| Deed Document Number | 20249473 |
| Deed Book / Page | 605 / 332 |
| Prior Transfer Date | Aug 23, 2024 |
| Prior Transfer Doc | 00D605/332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | May 5, 2023 |
| Property Address | 404 SUSANNAH AVE, BARDSTOWN, KY 40004-7786 |
| Document Number | 00D591/636 |
| Book / Page | D591 / 636 |
| Map Reference | CAB 3 SL 143 |
| Instrument Date | May 3, 2023 |
| Instrument | 2023004662 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 248 THOMAS LN, BLOOMFIELD, KY 40008-7431 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 404 SUSANNAH AVE, BARDSTOWN, KY 40004-7786 |
| Document Number | 0M1421/302 |
|---|---|
| Date | May 5, 2023 |
| Book Page | M1421/302 |
| Instrument | 2023004663 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | Oct 24, 2022 |
| Property Address | 404 SUSANNAH AVE, BARDSTOWN, KY 40004-7786 |
| Document Number | 00D586/425 |
| Book / Page | D586 / 425 |
| Map Reference | CAB 3 SLOT 143 |
| Instrument Date | Oct 18, 2022 |
| Instrument | 2022012626 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Redemption Amount |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 248 THOMAS LN, BLOOMFIELD, KY 40008-7431 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 404 Susannah Ave was $598.
Source: Nelson County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Bardstown City |
| County | Nelson County |
| Unified School District | Bardstown Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $598.00 | $188,000 Building $188,000 | $188,000 Building $188,000 |
| 2023 | $402.00 (+28.43%) | $116,000 (+33.33%) | $116,000 (+33.33%) |
| 2022 | $313.00 | $87,000 Building $87,000 | $87,000 Building $87,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Susannah Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| 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 risk around 404 Susannah Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BARDSTOWN MUNICIPAL WATER DEPT serves 31,185 people · EPA ID KY0900017 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Nov 2018 |
| Monitoring and Reporting | 3 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 158 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Bardstown Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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