5804 Loretto Rd, Bardstown, KY 40004 Property Records

Nelson County property record for 5804 Loretto Rd, Bardstown, KY 40004

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,216 sqft · built 1998
Lot Size	14.1 acres (614,196 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Nov 2015)
Tax Bill	$3,516 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47000-00-102`

Property Details

APN / Parcel Number

Primary APN	`47000-00-102`
Alternative APNs	`78404` `93828`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	614,196 sqft (14.1 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	93828
Street Address	5804 LORETTO RD
City	BARDSTOWN
State	KY
Zip	40004-8301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLYDE METCALFDIV TR 5 DB261-165
Legal Subdivision	CLYDE METCALF DIV
Legal Tract	5
Legal Lot Number	5
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	1
Census Block	1009
Census Tract	930500

Owner

5804 Loretto Rd is owned and occupied by an individual who acquired it in May 2023.

Source: Nelson County records, as of August 26, 2026

Owner of Record	Individual Name on File
Mailing Address	5804 LORETTO RD, BARDSTOWN, KY 40004-8301
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
Apr 15, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
May 23, 2023	Deed of Trust, Mortgage · Line of Credit TOWN & COUNTRY BANK & TRUST CO
Oct 12, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2015 · Amount on File
Deed Sale	Nov 30, 2015 · Amount on File
Prior Sale	Aug 27, 2014 · Amount on File
Deed Document Number	201513498
Deed Book / Page	514 / 99
Last Transfer Date	May 22, 2023
Transfer Doc	00D592/165
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Recording Date	Apr 15, 2026
Property Address	5804 LORETTO RD, BARDSTOWN, KY 40004-8301
Document Number	0000002366
Book / Page	1543 / 472
Instrument Date	Apr 10, 2026
Instrument	20262366
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5804 LORETTO RD, BARDSTOWN, KY 40004-8301
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002366,
Date	Apr 15, 2026
Book Page	1543/472
Instrument	20262366

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	5804 LORETTO RD, BARDSTOWN, KY 40004-8301
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5804 LORETTO RD, BARDSTOWN, KY 40004-8301

Mortgage

Document Number	0M1423/167
Date	May 23, 2023
Book Page	M1423/167
Instrument	2023005275

Lender

Name	TOWN & COUNTRY BANK & TRUST CO
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 22, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	5804 LORETTO RD, BARDSTOWN, KY 40004-8301
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	HIGH STREET TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1346/80
Date	Oct 12, 2021
Book Page	M1346/80
Instrument	2021013732

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5804 Loretto Rd was $3,516.

Source: Nelson County assessment roll, as of July 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,516.00	$354,320	$454,600 Land $104,000 Building $350,600
2023	$1,679.00	$153,100	$153,100

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

Flood

FEMA maps place 5804 Loretto Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1997.

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 Claims	8 (1997–2020)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Jun 2020 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 3 claims

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 5804 Loretto Rd 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	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	MARION COUNTY WATER DISTRICT serves 16,311 people · EPA ID KY0780268
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	6 ppb (2024–2026) 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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