418 Main St, West Point, KY 40177 Property Records

Hardin County property record for 418 Main St, West Point, KY 40177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,104 sqft · built 1876
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Apr 2023)
Tax Bill	$2,241 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2019 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`158-10-02-048`

Property Details

APN / Parcel Number

Primary APN	`158-10-02-048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,104 sqft Living Area
Basement Area	688 sqft
Unfinished Basement	688 sqft

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	19,994 sqft (0.459 acres)
Garage Type	Carport
Garage Area	672 sqft
Carport	Carport
Carport Area	672 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	418 MAIN ST
City	WEST POINT
State	KY
Zip	40177-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT LT 65
Legal Subdivision	WEST POINT
Legal Block	2
Legal Lot Number	65
Jurisdiction	HARDIN KY
Township / Civil Division	WEST POINT
Census Block Group	1
Census Block	1033
Census Tract	100

Owner

Source: Hardin County records, as of March 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	418 MAIN ST, WEST POINT, KY 40177-1332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 8, 2019	Deed, Transfer
Apr 4, 2017	Deed, Transfer
Feb 23, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Prior Sale	Apr 4, 2017 · Amount on Record
Deed Book / Page	1551 / 528
Prior Transfer Date	Mar 20, 2019
Prior Transfer Doc	1471/206
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	418 MAIN ST, WEST POINT, KY 40177-1332
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 MAIN ST, WEST POINT, KY 40177-1332

Mortgage

Document Number	002600/444
Date	Feb 5, 2026
Book Page	2600/444

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2051

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Apr 8, 2019
Property Address	418 MAIN ST, WEST POINT, KY 40177-1332
Document Number	1471/206
Book / Page	1471 / 206
Instrument Date	Mar 20, 2019
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 MAIN ST, WEST POINT, KY 40177-1332

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Apr 4, 2017
Property Address	418 MAIN ST, WEST POINT, KY 40177-1332
Document Number	1438/320
Book / Page	1438 / 320
Instrument Date	Mar 31, 2017
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
Address	509 ELM ST, 509, WEST POINT, KY 40177-1327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 MAIN ST, WEST POINT, KY 40177-1336

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Feb 23, 2017
Property Address	418 MAIN ST, WEST POINT, KY 40177-1332
Document Number	1436/640
Book / Page	1436 / 640
Instrument Date	Feb 22, 2017
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Amount	Amount Recorded
Tax	$74.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4585 SPRINGFIELD RD, 4585, BARDSTOWN, KY 40004-8948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 ELM ST, WEST POINT, KY 40177-1327

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Hardin County
Municipality	West Point City
Unified School District	Hardin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,241.00 (+167.1%)	$185,000 (+208.33%) Land $15,000 Building $170,000	$185,000 (+208.33%) Land $15,000 Building $170,000
2023		$60,000 Land $6,100 Building $53,900	$60,000 Land $6,100 Building $53,900
2021	$839.00

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 October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 82 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	266 (1978–2026)
Claims Outside the SFHA	5 of 266
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 45 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 43 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 100 claims

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 CO. WATER DIST #1/FT. KNOX federal government · serves 23,600 people · EPA ID KY0470990
Water Source	Purchased surface water from HARDIN COUNTY WATER DISTRICT #1
Last State Inspection	Apr 2023
Lead	2 ppb (2024–2026) 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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