Nelson County property record for 433 Susannah Ave, Bardstown, KY 40004
| Property Type | Single Family Home |
|---|---|
| Details | 1,309 sqft · built 2021 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,000 (Dec 2021) |
| Tax Bill | $688 (2025) |
| Deeds & Mortgages | Feb 2021 Construction Loan Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54S20-07-009 |
| Primary APN | 54S20-07-009 |
|---|---|
| Alternative APN |
|
| Total Rooms | 2 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 1,309 sqft Living Area |
| Basement Area | 1,309 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Porch | Slab |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Account Number | 91484 |
|---|---|
| Street Address | 433 SUSANNAH AVE |
| City | BARDSTOWN |
| State | KY |
| Zip | 40004-7791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTAGE GROVE LT 85 PC4-12 |
| Legal Subdivision | COTTAGE GROVE |
| Legal Lot Number | 85 |
| Jurisdiction | NELSON KY |
| Township / Civil Division | BARDSTOWN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 930305 |
Source: Nelson County records, as of August 26, 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 |
|---|---|
| Mailing Address | 433 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Construction Mortgage TOWN & COUNTRY BANK & TRUST CO |
| Oct 27, 2021 | Deed of Trust, Mortgage · Commercial Mortgage TOWN & COUNTRY BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on Record |
| Deed Sale | Dec 10, 2021 · Amount on Record |
| Deed Document Number | 202116481 |
| Deed Book / Page | 576 / 761 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 433 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M1303/798 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | M1303/798 |
| Instrument | 2021002439 |
| Name | TOWN & COUNTRY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BARDSTOWN, KY 40004 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 26, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 433 SUSANNAH AVE, BARDSTOWN, KY 40004-7791 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00M1349/60 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | M1349/60 |
| Instrument | 2021014506 |
| Name | TOWN & COUNTRY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BARDSTOWN, KY 40004 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 3 Months |
| Due | Jan 26, 2022 |
| Rate Type | Adjustable Rate |
|---|
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 | $688.00 (-5.49%) | $219,000 (-) Land $30,000 Building $189,000 | $219,000 (-) Land $30,000 Building $189,000 |
| 2023 | $728.00 | $219,000 | $219,000 |
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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