Marion County property record for 415 Spencer Hamilton Rd, Loretto, KY 40037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,681 sqft |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,452 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 021-077-01 |
| Primary APN | 021-077-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,681 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Mansard |
| Roof Material | Composition Shingle |
| Lot Area | 25,700 sqft (0.59 acres) |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Patio Area | 168 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 76429 |
|---|---|
| Street Address | 415 SPENCER HAMILTON RD |
| City | LORETTO |
| State | KY |
| Zip | 40037-7052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 415 SPENCER HAMILTON RD |
| Jurisdiction | MARION KY |
| Township / Civil Division | LORETTO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 970400 |
415 Spencer Hamilton Rd is owned and occupied by two individuals.
Source: Marion County records, as of May 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 SPENCER HAMILTON RD, LORETTO, KY 40037-7052 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION KY |
| Property Address | 415 SPENCER HAMILTON RD, LORETTO, KY 40037-7052 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 415 SPENCER HAMILTON RD, LORETTO, KY 40037-7052 |
| Document Number | 000481/116 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 481/116 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 10, 2042 |
The 2025 property tax bill for 415 Spencer Hamilton Rd was $1,452.
Source: Marion County assessment roll, as of May 22, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Marion County |
| Municipality | Loretto City |
| Unified School District | Marion County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,452.00 | $165,000 Land $165,000 | $165,000 Land $165,000 |
| 2023 | $1,300.00 | $145,000 Land $145,000 | $145,000 Land $145,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Spencer Hamilton Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 23, 2023
| 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 415 Spencer Hamilton Rd 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 | Direct burnable vegetation |
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 | MARION COUNTY WATER DISTRICT serves 16,311 people · EPA ID KY0780268 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | 6 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Windstream.
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