Hardin County property record for 643 Pearman Ave, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,350 sqft · built 1975 |
| Lot Size | 0.305 acres (13,286 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $212,000 (Mar 2023) |
| Tax Bill | $1,990 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-10-02-087 |
| Primary APN | 161-10-02-087 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,350 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Raised Ranch |
| Exterior Material | Brick |
| Lot Area | 13,286 sqft (0.305 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Porch | Porch |
| Porch Area | 120 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 643 PEARMAN AVE |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-1834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PEARMAN MNR LT 087 #1 |
| Legal Subdivision | PEARMAN MNR |
| Legal Lot Number | 87 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 700 |
Source: Hardin County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Mar 1, 2023 | Deed, Transfer · FHA Mortgage STOCK YARDS BANK & TRUST CO |
| Oct 17, 2022 | Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 22, 2022 | Deed, Transfer · Stand-Alone First Mortgage SUREPOINT EQUITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2023 · Amount on Record |
| Deed Sale | Mar 1, 2023 · Amount on Record |
| Prior Sale | Oct 17, 2022 · Amount on Record |
| Deed Document Number | 0015481170 |
| Deed Book / Page | 1548 / 1170 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Document Number | 02472/1322 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | 2472/1322 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Mar 1, 2023 |
| Property Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Document Number | 01548/1170 |
| Book / Page | 1548 / 1170 |
| Map Reference | MB 3 PG 25 |
| Instrument Date | Mar 1, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $212.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10714 ALBERTA DR, HOLLYVILLA, KY 40118-9306 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Document Number | 0024721307 |
|---|---|
| Date | Mar 1, 2023 |
| Instrument | 2472/1307 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Oct 17, 2022 |
| Property Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Document Number | 01542/1570 |
| Book / Page | 1542 / 1570 |
| Map Reference | MB 3 PG 25 |
| Instrument Date | Oct 17, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1883 W ROYAL HUNTE DR # DR200A, DR200A, CEDAR CITY, UT 84720-4096 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 151 DOROTHY DR APT 2A, 2A, ELIZABETHTOWN, KY 42701-4849 |
| Document Number | 0002460740 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 2460/740 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Number | 002460/756 |
|---|---|
| Date | Oct 17, 2022 |
| Book Page | 2460/756 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Jun 22, 2022 |
| Property Address | 643 PEARMAN AVE, RADCLIFF, KY 40160-1834 |
| Document Number | 01536/1204 |
| Book / Page | 1536 / 1204 |
| Map Reference | MB 3 PG 25 |
| Instrument Date | Jun 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 884 MARTIN LN, RADCLIFF, KY 40160-1826 |
| Name | Verified Name |
|---|---|
| Address | 1615 W LINCOLN TRAIL BLVD, RADCLIFF, KY 40160-2545 |
| Investor | Possibly a Property Investor |
| Document Number | 0002446193 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 2446/193 |
| Name | SUREPOINT EQUITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 14, 2023 |
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 | $1,990.00 (+63.65%) | $212,000 (+12.95%) Land $20,000 Building $192,000 | $212,000 (+12.95%) Land $20,000 Building $192,000 |
| 2023 | $187,700 (+49.21%) Land $20,000 Building $167,700 | $187,700 (+49.21%) Land $20,000 Building $167,700 | |
| 2022 | $125,800 Land $14,900 Building $110,900 | $125,800 Land $14,900 Building $110,900 | |
| 2021 | $1,216.00 |
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 (2000–2009) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2009 · Severe Winter Storm And 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 | None beyond ember reach |
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 375 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 |
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