6185 Loretto Rd, Bardstown, KY 40004 Property Records

Nelson County property record for 6185 Loretto Rd, Bardstown, KY 40004 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 2009
Lot Size	2.67 acres (116,305 sqft)
Owner	2 Individual Names on File
Last Sale	$139,900 (Aug 2011)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`57000-00-021`

Property Details

APN / Parcel Number

Primary APN	`57000-00-021`
Alternative APN	`70963`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	116,305 sqft (2.67 acres)
Garage Type	Attached
Garage Area	1,776 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	70963
Street Address	6185 LORETTO RD
City	BARDSTOWN
State	KY
Zip	40004-9391
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MINOR PLAT TR 1-A PC12-186
Legal Subdivision	MINOR PLAT
Legal Tract	1
Jurisdiction	NELSON KY
Township / Civil Division	BARDSTOWN
Census Block Group	1
Census Block	1008
Census Tract	930500

Owner

Source: Nelson County records · APN 57000-00-021

Assessment roll updated July 6, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	6185 LORETTO RD, BARDSTOWN, KY 40004-9391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Feb 12, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 28, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 2011 · Amount on Record
Deed Sale	Aug 15, 2011 · Amount on Record
Deed Document Number	2011269140
Deed Book / Page	478 / 338
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Recording Date	Jun 08, 2026
Property Address	6185 LORETTO RD, BARDSTOWN, KY 40004-9391
Document Number	0000003782
Book / Page	1550 / 660
Instrument Date	May 26, 2026
Instrument	20263782
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6185 LORETTO RD, BARDSTOWN, KY 40004-9391
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003782,
Date	Jun 08, 2026
Book Page	1550/660
Instrument	20263782

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2056

Interest

Rate	7%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	6185 LORETTO RD, BARDSTOWN, KY 40004-9391
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1301/210
Date	Feb 12, 2021
Book Page	M1301/210
Instrument	2021001816

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	6185 LORETTO RD, BARDSTOWN, KY 40004-9391
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1208/711
Date	May 28, 2019
Book Page	M1208/711
Instrument	2019006348

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2034

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON KY
Property Address	6185 LORETTO RD, BARDSTOWN, KY 40004-9391
Transaction Type	Mortgage
Record Updated	Apr 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1246/187
Date	Mar 20, 2020
Book Page	M1246/187
Instrument	2020003206

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2035

Tax Assessment & Valuation

Source: Nelson County records · Assessment roll updated July 6, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,321.00 (+25.19%)	$234,690 (+38.05%) Land $26,690 Building $208,000	$234,690 (+38.05%) Land $26,690 Building $208,000
2023	$1,854.00	$170,000	$170,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Nelson County (21179C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211799305001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	8 (1997–2020)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Jun 2020, rainfall accumulation
Claims By Storm	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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