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466 Commerce St, Hardin, KY 42048 Property Records

Marshall County property record for 466 Commerce St, Hardin, KY 42048

Property Summary

Property TypeResidential Vacant Land
Details2 bd · 1 ba · 1,056 sqft · built 1930
Lot Size0.33 acres (14,375 sqft)
OwnerIndividual Name on File
Last Sale$98,000 (Feb 2024)
Tax Bill$81 (2025)
Deeds & MortgagesFeb 2024 Line of Credit
Feb 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN0H-01-05-003

Property Details

APN / Parcel Number

Primary APN0H-01-05-003
Alternative APN
  • 377400

Interior

Bedrooms2 Beds
Full Baths1 Bath
Building Area1,056 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Lot Area14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemRadiant

Location & Zoning

Account Number377400
Street Address466 COMMERCE ST
CityHARDIN
StateKY
Zip42048-9053
Property CategoryResidential
Property TypeVacant Land > Residential
JurisdictionMARSHALL KY
Township / Civil DivisionBENTON
Census Block Group2
Census Block2061
Census Tract950502

Owner

466 Commerce St, residential vacant land, is owned by an individual who bought it in February 2024.

Source: Marshall County records, as of August 24, 2026

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 232, HARDIN, KY 42048-0232
Owner TypeIndividual

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

DateDocument
Feb 26, 2024Deed of Trust, Mortgage · Line of Credit
LEXINGTON-FAYETTE URBAN COUNTY GOV
Feb 26, 2024Deed of Trust, Mortgage · FHA Mortgage
US BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 26, 2024 · Amount on File
Deed SaleFeb 26, 2024 · Amount on File
Prior SaleApr 5, 2023 · Amount on File
Deed Document Number20241099918
Deed Book / Page513 / 259
Record UpdatedOct 29, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARSHALL KY
Property Address466 COMMERCE ST, HARDIN, KY 42048-9053
Transaction TypeMortgage
Record UpdatedMar 26, 2024
Title CompanyHOME TEAM TITLE, HOME TEAM TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address466 COMMERCE ST, HARDIN, KY 42048-9053

Mortgage

Document Number001051/569
DateFeb 26, 2024
Book Page1051/569
Instrument1099920
Lender
NameLEXINGTON-FAYETTE URBAN COUNTY GOV
TypeGovernment Agency
AddressFRANKFORT, KY 40601
Agreement
TypeLine of Credit
AmountAmount on Record
Term121 Months
DueMar 1, 2034

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARSHALL KY
Property Address466 COMMERCE ST, HARDIN, KY 42048-9053
Transaction TypeMortgage
Record UpdatedMar 26, 2024
Title CompanyHOME TEAM TITLE, HOME TEAM TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1178 TAYLOR RD, WINGO, KY 42088-8936

Mortgage

Document Number001051/548
DateFeb 26, 2024
Book Page1051/548
Instrument1099919
Lender
NameUS BANK NA
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 466 Commerce St was $81.

Source: Marshall County assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateKentucky
CountyMarshall County
MunicipalityHardin City
Unified School DistrictMarshall County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$81.00$7,000 Land $7,000$7,000 Land $7,000
2023$669.00$57,000
2022$35,000 Land $6,000 Building $29,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 466 Commerce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims2 (2016–2017)
Most Recent ClaimJun 2017 · river or lake flooding

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 466 Commerce 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemHARDIN WATER DEPARTMENT
serves 1,606 people · EPA ID KY0790173
Water SourcePurchased groundwater from BENTON WATER & SEWER
Last State InspectionMay 2024
Also Mapped HereJONATHAN CREEK WATER DISTRICT
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 43 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
West Kentucky Rural Telephone Cooperative
Fiber		2,000 / 2,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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