448 E 4th St, La Center, KY 42056 Property Records

Ballard County property record for 448 E 4th St, La Center, KY 42056

Property Summary

Property Type	Single Family Home
Details	2,240 sqft · built 2004
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on File
Tax Bill	$1,619 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage May 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`44A-20-05`

Property Details

APN / Parcel Number

Primary APN	`44A-20-05`
Alternative APNs	`35678` `1223`

Interior

Building Area	2,240 sqft Living Area

Exterior

Year Built	Built 2004
Exterior Material	Other
Roof Material	Metal
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	448 E 4TH ST
City	LA CENTER
State	KY
Zip	42056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2004 FLEETWOOD SANDPOINT AFFIDAVIT OF CONVERSION TO REAL ESTATE 1/11/2024 DB135-354
Jurisdiction	BALLARD KY
Township / Civil Division	LA CENTER
Census Block Group	2
Census Block	2011
Census Tract	950100

Owner

448 E 4th St is owned by a company that acquired it in May 2022.

Source: Ballard County records, as of November 12, 2025

Owner of Record	Company Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 275, LA CENTER, KY 42056-0275
Owner Type	Company, Secondary Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2024	Warranty Deed, Transfer · VA Mortgage GERSHMAN INVESTMENT CORP
May 20, 2022	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 20, 2022
Transfer Doc	0000130/97
Record Updated	Sep 20, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALLARD KY
Recording Date	Dec 30, 2024
Property Address	448 E 4TH ST, LA CENTER, KY 42056-8404
Document Number	0000139/56
Book / Page	139 / 56
Map Reference	MB 51 PG 380
Instrument Date	Oct 2, 2024
Instrument	532959
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	294 CANDLELITE DR, ALMO, KY 42020-9528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 275, LA CENTER, KY 42056-0275

Mortgage

Document Number	000138/539
Date	Dec 30, 2024
Book Page	138/539
Instrument	532966

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	16253 SWINGLEY RIDGE RD STE 200, CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2054

May 2022: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BALLARD KY
Recording Date	May 20, 2022
Property Address	448 E 4TH ST, LA CENTER, KY 42056-8404
Document Number	0000130/97
Book / Page	130 / 97
Instrument Date	May 12, 2022
Instrument	524207
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 CANDLELITE DR, ALMO, KY 42020-9528

Tax Assessment & Valuation

The 2025 property tax bill for 448 E 4th St was $1,619.

Source: Ballard County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Ballard County
Municipality	La Center City
Unified School District	Ballard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,619.00	$159,900	$159,900
2023	$486.00 Additional exemption filed	$32,000	$32,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 448 E 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective July 7, 2014 · 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 Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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

Wildfire risk around 448 E 4th St is low, with less than 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 97% of the US · lower than 97.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LACENTER MUNICIPAL WATER CO serves 1,291 people · EPA ID KY0040228
Water Source	Groundwater
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ballard Rural Telephone Cooperative Fiber	1,000 / 1,000
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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