Hardin County property record for 421 E Main St, Cecilia, KY 42724
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,220 sqft · built 1890 |
| Lot Size | 0.71 acres (30,971 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $127,200 (Sep 2005) |
| Tax Bill | $1,381 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 147-30-02-020 |
| Primary APN | 147-30-02-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,220 sqft Living Area |
| Attic Area | 1,824 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 30,971 sqft (0.71 acres) |
| Patio Area | 220 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 421 E MAIN ST |
|---|---|
| City | CECILIA |
| State | KY |
| Zip | 42724-9607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY/MUNI/TWP:HARDIN CO (NOT CITY LIMITS) |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | CECILIA |
| Census Block Group | 2 |
| Census Block | 2109 |
| Census Tract | 1701 |
Source: Hardin County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 421 E MAIN ST, CECILIA, KY 42724-9607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2022 | Deed of Trust, Mortgage · Line of Credit WILSON & MUIR BANK & TRUST CO |
| Jul 8, 2021 | Deed of Trust, Mortgage · Line of Credit WILSON & MUIR BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2005 · Amount on Record |
| Deed Sale | Sep 9, 2005 · Amount on Record |
| Deed Document Number | 0001165164 |
| Deed Book / Page | 1165 / 164 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 421 E MAIN ST, CECILIA, KY 42724-9607 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 421 E MAIN ST, CECILIA, KY 42724-9607 |
| Document Number | 002461/902 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 2461/902 |
| Name | WILSON & MUIR BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | ELIZABETHTOWN, KY 42701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 17, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 421 E MAIN ST, CECILIA, KY 42724-9607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 421 E MAIN ST, CECILIA, KY 42724-9607 |
| Document Number | 2389/1148 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 2389/1148 |
| Name | WILSON & MUIR BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | ELIZABETHTOWN, KY 42701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 30, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Hardin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,381.00 (+9.17%) | $140,500 (-) Land $16,200 Building $124,300 | $140,500 (-) Land $16,200 Building $124,300 |
| 2023 | $140,500 Land $16,200 Building $124,300 | $140,500 Land $16,200 Building $124,300 | |
| 2021 | $1,265.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 26, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max 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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