450 W Spring St, Radcliff, KY 40160 Property Records

Hardin County property record for 450 W Spring St, Radcliff, KY 40160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1974
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$55,869 (Jan 2009)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Feb 2019 Refinance Jan 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`160-10-04-001.01`

Property Details

APN / Parcel Number

Primary APN	`160-10-04-001.01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,440 sqft Living Area

Exterior

Year Built	Built 1974
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Garage Area	690 sqft
Porch	Porch
Porch Area	240 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	450 W SPRING ST
City	RADCLIFF
State	KY
Zip	40160-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES SCOTT EST LT 2
Legal Subdivision	JAMES SCOTT EST
Legal Lot Number	2
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	3
Census Block	3003
Census Tract	400

Owner

450 W Spring St is owned and occupied by an individual who acquired it in January 2026.

Source: Hardin County records, as of January 27, 2026

Owner of Record	Individual Name on File
Mailing Address	450 W SPRING ST, RADCLIFF, KY 40160-2120
Occupancy	Owner Occupied
Owner Type	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
Feb 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WESBANCO BANK INC
Jan 12, 2026	Intrafamily Transfer, Transfer
Jan 26, 2009	Deed, Transfer · Conventional Mortgage FIRST FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2009 · Amount on File
Deed Sale	Jan 26, 2009 · Amount on File
Prior Sale	Jan 26, 2009 · Amount on File
Deed Document Number	001285/278
Deed Book / Page	1285 / 278
Last Transfer Date	Jan 12, 2026
Transfer Doc	001595/852
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	450 W SPRING ST, RADCLIFF, KY 40160-2120
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02257/1495
Date	Feb 5, 2019
Book Page	2257/1495

Lender

Name	WESBANCO BANK INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN KY
Recording Date	Jan 12, 2026
Property Address	450 W SPRING ST, RADCLIFF, KY 40160-2120
Document Number	001595/852
Book / Page	1595 / 852
Instrument Date	Jan 9, 2026
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1725 MONCKS COR, THE VILLAGES, FL 32162-6044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 W SPRING ST, RADCLIFF, KY 40160-2120

January 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Jan 26, 2009
Property Address	450 W SPRING ST, RADCLIFF, KY 40160-2120
Document Number	001285/278
Book / Page	1285 / 278
Map Reference	MB1 PG2702
Instrument Date	Jan 23, 2009
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17205 MALLET HILL DR, LOUISVILLE, KY 40245-4478

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	450 W SPRING ST, RADCLIFF, KY 40160-2120

Mortgage

Document Number	0001827046
Date	Jan 26, 2009
Instrument	1827/046

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2039

Interest

Rate Type	Fixed Rate
Rate	5.12%
Type Change Date	Feb 5, 2016
Change Frequency	Annually
Index	Prime Rate

Mortgage

Document Number	001830/499
Date	Feb 11, 2009
Book Page	1830/499

Lender

Name	FIRST FSB
Type	Bank
Address	ELIZABETHTOWN, KY 42702

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 25, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 450 W Spring St was $1,418.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,418.00	$149,000 Land $18,000 Building $131,000	$149,000 Land $18,000 Building $131,000
2023		$113,200 (-) Land $12,200 Building $101,000	$113,200 (-) Land $12,200 Building $101,000
2022		$113,200 Land $12,200 Building $101,000	$113,200 Land $12,200 Building $101,000
2021	$1,099.00

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

Flood

FEMA maps place 450 W Spring St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 450 W Spring St is low, with 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 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.

Drinking Water

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

Water System	HARDIN COUNTY WATER DISTRICT #1 serves 30,230 people · EPA ID KY0470393
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	3 ppb (2023–2025) 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brandenburg Telecom Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

Nearby Properties on W Spring St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures