Nelson County property record for 431 Susannah Ave, Bardstown, KY 40004
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 2022 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Aug 2026) |
| Tax Bill | $765 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Feb 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54S20-07-010 |
| Primary APN | 54S20-07-010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| Basement Area | 1,426 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 91339 |
|---|---|
| Street Address | 431 SUSANNAH AVE |
| City | BARDSTOWN |
| State | KY |
| Zip | 40004-7791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTAGE GROVE LT 84 PC4-12 |
| Legal Subdivision | COTTAGE GROVE |
| Legal Lot Number | 84 |
| Jurisdiction | NELSON KY |
| Township / Civil Division | BARDSTOWN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 930305 |
Source: Nelson County records, as of August 27, 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 | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 3, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 12, 2026 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Feb 17, 2021 | Deed of Trust, Mortgage · Construction Mortgage LINCOLN NATIONAL BANK |
| Nov 10, 2021 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage BAY EQUITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on Record |
| Deed Sale | Aug 3, 2026 · Amount on Record |
| Deed Document Number | 20265553 |
| Deed Book / Page | 624 / 608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Document Number | 0000005553 |
| Book / Page | 624 / 608 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 20265553 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | AGENCY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33,330.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Document Number | 0000005554, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 20265554 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1535/161 |
|---|---|
| Date | Feb 12, 2026 |
| Book Page | M1535/161 |
| Instrument | 2026000869 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M1301/767 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | M1301/767 |
| Instrument | 2021001920 |
| Name | LINCOLN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | BARDSTOWN, KY 40004 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 10, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | Nov 10, 2021 |
| Property Address | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Document Number | 00D575/676 |
| Book / Page | D575 / 676 |
| Map Reference | CAB 4 SL 12 |
| Instrument Date | Nov 8, 2021 |
| Instrument | 2021015113 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | EXECUTIVE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 678 BEN IRVIN RD, BARDSTOWN, KY 40004-9645 |
| Name | Verified Name |
|---|---|
| Address | 431 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Document Number | 2021015114 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 2021015114 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $765.00 (+2.27%) | $245,400 (+8.87%) Land $30,000 Building $215,400 | $245,400 (+8.87%) Land $30,000 Building $215,400 |
| 2023 | $748.00 | $225,400 | $225,400 |
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 October 15, 2025 · 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 | 1 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 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 146 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 |
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