Hardin County property record for 649 Independence Dr, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,107 sqft · built 1986 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $838 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2019 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-20-08-039 |
| Primary APN | 180-20-08-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,107 sqft Living Area |
| Basement Area | 1,107 sqft |
| Unfinished Basement | 1,107 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 9,583 sqft (0.22 acres) |
| Patio Area | 144 sqft |
| Heating System | Central |
|---|
| Street Address | 649 INDEPENDENCE DR |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HILLS LT 219 #12 |
| Legal Subdivision | WHISPERING HILLS |
| Legal Block | 8 |
| Legal Lot Number | 219 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 600 |
649 Independence Dr is owned and occupied by two individuals who acquired it in June 2007.
Source: Hardin County records, as of January 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 649 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| 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 |
|---|---|
| Jan 6, 2021 | Deed of Trust, Mortgage · VA Mortgage WESBANCO BANK INC |
| Jan 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU |
| Oct 9, 2009 | Deed of Trust, Mortgage · VA Mortgage FIRST FSB |
| Oct 15, 2012 | Deed of Trust, Mortgage · VA Mortgage JPMORGAN CHASE BANK NA |
| Jun 1, 2007 | Commissioner's Deed, Foreclosure · Line of Credit FIRST FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2007 |
| Deed Sale | Jun 1, 2007 |
| Deed Book / Page | 1229 / 25 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 649 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | COLLIER TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 002355/659 |
|---|---|
| Date | Jan 6, 2021 |
| Book Page | 2355/659 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 649 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002256/449 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 2256/449 |
| Instrument | 20190-00000444 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 649 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001886/327 |
|---|---|
| Date | Oct 9, 2009 |
| Book Page | 1886/327 |
| Name | FIRST FSB |
|---|---|
| Type | Bank |
| Address | ELIZABETHTOWN, KY 42701 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 649 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 002035/249 |
|---|---|
| Date | Oct 15, 2012 |
| Book Page | 2035/249 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2042 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Jun 1, 2007 |
| Property Address | 649 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Document Number | 0001229/25 |
| Book / Page | 1229 / 25 |
| Map Reference | CAB1 SH526 |
| Instrument Date | May 31, 2007 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 649 INDEPENDECE DR, MORGANTOWN, IN 46160 |
| Document Number | 0170200297 |
|---|---|
| Date | Jun 1, 2007 |
| Instrument | 01702_00297 |
| Name | FIRST FSB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2022 |
The 2025 property tax bill for 649 Independence Dr was $838 with a homeowner's exemption.
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 | $838.00 Homeowner's exemption Additional exemption filed | $134,200 Land $18,000 Building $116,200 | $134,200 Land $18,000 Building $116,200 |
| 2023 | $90,800 (-) Land $14,000 Building $76,800 | $90,800 (-) Land $14,000 Building $76,800 | |
| 2022 | $90,800 Land $14,000 Building $76,800 | $90,800 Land $14,000 Building $76,800 | |
| 2021 | $512.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 649 Independence Dr in Zone X, an area of minimal flood risk, though there have been 2 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 |
| 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.
Wildfire risk around 649 Independence 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 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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