Hardin County property record for 582 Oak Dr, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,813 sqft · built 1977 |
| Lot Size | 0.476 acres (20,778 sqft) |
| Owner | Individual Name on File |
| Last Sale | $153,000 (Jan 2021) |
| Tax Bill | $1,620 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-10-02-051 |
| Primary APN | 180-10-02-051 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,813 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Raised Ranch |
| Exterior Material | Frame/Masonry |
| Lot Area | 20,778 sqft (0.476 acres) |
| Patio Area | 142 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 582 OAK DR |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARD LT 17 #2 |
| Legal Subdivision | HEARD |
| Legal Lot Number | 17 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 600 |
582 Oak Dr is owned and occupied by an individual who bought it in January 2021.
Source: Hardin County records, as of January 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 582 OAK DR, RADCLIFF, KY 40160-9645 |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed of Trust, Mortgage · Line of Credit ABOUND FCU |
| Jan 28, 2021 | Warranty Deed, Transfer · VA Mortgage COMMONWEALTH BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on File |
| Deed Sale | Jan 28, 2021 · Amount on File |
| Prior Sale | Mar 28, 2006 · Amount on File |
| Deed Document Number | 0015041577 |
| Deed Book / Page | 1504 / 1577 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 582 OAK DR, RADCLIFF, KY 40160-9645 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 002459/129 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 2459/129 |
| Name | ABOUND FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Jan 28, 2021 |
| Property Address | 582 OAK DR, RADCLIFF, KY 40160-9645 |
| Document Number | 1504/1577 |
| Book / Page | 1504 / 1577 |
| Map Reference | MB 7 PG 58 |
| Instrument Date | Jan 25, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Title Company | METRO TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $153.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 42 KEY CORNER RD, 42, HALLS, TN 38040-5050 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 582 OAK DR, RADCLIFF, KY 40160-9645 |
| Document Number | 002359/210 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 2359/210 |
| Name | COMMONWEALTH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 582 Oak Dr was $1,620.
Source: Hardin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Municipality | Radcliff City |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,620.00 | $171,300 Land $18,000 Building $153,300 | $171,300 Land $18,000 Building $153,300 |
| 2023 | $153,000 (-) Land $14,400 Building $138,600 | $153,000 (-) Land $14,400 Building $138,600 | |
| 2022 | $153,000 Land $14,400 Building $138,600 | $153,000 Land $14,400 Building $138,600 | |
| 2021 | $1,128.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 582 Oak Dr in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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 risk around 582 Oak Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brandenburg Telecom Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures