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415 E Main St, Cecilia, KY 42724 Property Records

Hardin County property record for 415 E Main St, Cecilia, KY 42724

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,463 sqft · built 1911
Lot Size0.663 acres (28,880 sqft)
Owner2 Individual Names on Record
Last Sale$185,000 (Sep 2024)
Tax Bill$1,785 (2025)
Deeds & MortgagesJul 2026 Mortgage
Apr 2019 Sale
Flood ZoneZone X (minimal risk)
APN147-30-02-019

Property Details

APN / Parcel Number

Primary APN147-30-02-019

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,463 sqft Living Area

Exterior

Year BuiltBuilt 1911
Effective Year BuiltEffective 1911
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Lot Area28,880 sqft (0.663 acres)
Garage Area840 sqft
Parking Spaces3 Parking Spaces
Patio Area256 sqft

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address415 E MAIN ST
CityCECILIA
StateKY
Zip42724-9607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionGATEWAY VILLA SOUTH ADD
Legal Block2
JurisdictionHARDIN KY
Township / Civil DivisionCECILIA
Census Block Group2
Census Block2109
Census Tract1701

Owner

Source: Hardin County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address415 E MAIN ST, CECILIA, KY 42724-9607
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2026Deed of Trust, Mortgage · VA Mortgage
FEDERAL SAVINGS BANK
Apr 15, 2019Deed, Transfer
COLLIER TITLE INSURANCE COMPANY, COLLIER TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 26, 2024 · Amount on Record
Deed SaleSep 26, 2024 · Amount on Record
Prior SaleDec 28, 2023 · Amount on Record
Deed Book / Page1574 / 322
Prior Transfer DateSep 26, 2023
Prior Transfer Doc1562001163
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHARDIN KY
Recording DateJul 28, 2026
Property Address415 E MAIN ST, CECILIA, KY 42724-9607
Document Number2626000445
Book / Page2626 / 445
Instrument DateJul 20, 2026
Transaction TypeMortgage
Record UpdatedAug 11, 2026
Title CompanyWESTCOR LAND TITLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRemainderman, 286
Address415 E MAIN ST, CECILIA, KY 42724-9607

Mortgage

Document Number2626000445,
DateJul 28, 2026
Book Page2626/445
Lender
NameFEDERAL SAVINGS BANK
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.47%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

April 2019: Deed, Transfer

Document TypeDeed
JurisdictionHARDIN KY
Recording DateApr 15, 2019
Property Address415 E MAIN ST, CECILIA, KY 42724-9607
Document Number001471/650
Book / Page1471 / 650
Instrument DateApr 12, 2019
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanyCOLLIER TITLE INSURANCE COMPANY, COLLIER TITLE

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4710 N LONG GROVE RD, CECILIA, KY 42724-9501

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyHardin County
Unified School DistrictHardin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,785.00 (+159.07%)$185,000 (+119.19%) Land $20,000 Building $165,000$185,000 (+119.19%) Land $20,000 Building $165,000
2023$84,400 Land $15,700 Building $68,700$84,400 Land $15,700 Building $68,700
2021$689.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 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 RiskLow
lower than 96% of the US · lower than 96% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemHARDIN COUNTY WATER DISTRICT #2
serves 76,326 people · EPA ID KY0470175
Water SourceSurface water
Last State InspectionSep 2025
Lead6 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 76 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Brandenburg Telecom
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Windstream
DSL		100 / 20

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