Hardin County property record for 641 Independence Dr, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1986 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $93,000 (Mar 2017) |
| Tax Bill | $1,310 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-20-08-040 |
| Primary APN | 180-20-08-040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Lot Area | 9,583 sqft (0.22 acres) |
| Porch | Porch |
| Porch Area | 120 sqft |
| Heating System | Central |
|---|
| Street Address | 641 INDEPENDENCE DR |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HILLS LT 218 #12 |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 8 |
| Legal Lot Number | 218 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 600 |
Source: Hardin County records, as of May 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Mar 29, 2022 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Mar 28, 2017 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 28, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2017 · Amount on Record |
| Deed Sale | Mar 28, 2017 · Amount on Record |
| Prior Sale | Jun 1, 2015 · Amount on Record |
| Deed Book / Page | 1437 / 1411 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Document Number | 002607/407 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 2607/407 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001531/923 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 1531/923 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 2192/1496 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 2192/1496 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Mar 28, 2017 |
| Property Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Document Number | 1437/1411 |
| Book / Page | 1437 / 1411 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $93.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 236 GENROSE DR, 236, RINEYVILLE, KY 40162-9662 |
| Name | Verified Name |
|---|---|
| Address | 641 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
Source: Hardin County assessment roll, as of January 20, 2026
| 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 | $1,310.00 (+43.8%) | $137,100 (+47.42%) Land $18,000 Building $119,100 | $137,100 (+47.42%) Land $18,000 Building $119,100 |
| 2023 | $93,000 (-) Land $14,000 Building $79,000 | $93,000 (-) Land $14,000 Building $79,000 | |
| 2022 | $93,000 Land $14,000 Building $79,000 | $93,000 Land $14,000 Building $79,000 | |
| 2021 | $911.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1997–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 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.
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 275 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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