488 Payne Rd, Sonora, KY 42776 Property Records

Hardin County property record for 488 Payne Rd, Sonora, KY 42776

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 3 ba · 3,931 sqft · built 2012
Lot Size	25 acres (1,089,828 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Sep 2023)
Tax Bill	$3,316 (2025)
Deeds & Mortgages	Aug 2019 Refinance Sep 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`173-00-00-006`

Property Details

APN / Parcel Number

Primary APN	`173-00-00-006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,931 sqft Living Area
Attic Area	464 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2012
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	1,089,828 sqft (25 acres)
Garage Type	Attached
Garage Area	840 sqft
Patio Area	980 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	488 PAYNE RD
City	SONORA
State	KY
Zip	42776-9350
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	CITY/MUNI/TWP:HARDIN CO (NOT CITY LIMITS)
Jurisdiction	HARDIN KY
Township / Civil Division	SONORA
Census Block Group	1
Census Block	1021
Census Tract	1602

Owner

488 Payne Rd, an agricultural property, is owned by an individual who bought it in September 2023.

Source: Hardin County records, as of January 16, 2026

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	473 DAVENPORT LN, SONORA, KY 42776-9363
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
Aug 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WEST POINT BANK
Sep 6, 2023	Deed, Transfer · Line of Credit MAGNOLIA BANK

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	Aug 2, 2011
Deed Document Number	0015571173
Deed Book / Page	1557 / 1173
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	488 PAYNE RD, SONORA, KY 42776-9350
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002278/722
Date	Aug 20, 2019
Book Page	2278/722
Instrument	20190-00011056

Lender

Name	WEST POINT BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Sep 6, 2023
Property Address	488 PAYNE RD, SONORA, KY 42776-9350
Document Number	01557/1173
Book / Page	1557 / 1173
Instrument Date	Sep 5, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	488 PAYNE RD, SONORA, KY 42776-9350

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	473 DAVENPORT LN, SONORA, KY 42776-9363

Mortgage

Document Number	00002495/1
Date	Sep 6, 2023
Book Page	2495/1

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	ELIZABETHTOWN, KY 42701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	354 Months
Due	Feb 28, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 488 Payne Rd was $3,316.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,316.00	$350,900 Land $344,700 Building $6,200	$350,900 Land $344,700 Building $6,200
2023		$264,500 (-) Land $258,300 Building $6,200	$264,500 (-) Land $258,300 Building $6,200
2022		$264,500 Land $258,300 Building $6,200	$264,500 Land $258,300 Building $6,200
2021	$1,962.00

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 488 Payne Rd 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

The area around 488 Payne Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Telecast Communications Fixed Wireless	100 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3
Windstream DSL	10 / 1

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