Hardin County property record for 655 Cecil Ave, Cecilia, KY 42724
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 1,800 sqft · built 1990 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,237 (Oct 2007) |
| Tax Bill | $1,634 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 168-00-01-001 |
| Primary APN | 168-00-01-001 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 45,738 sqft (1.05 acres) |
| Garage Type | Attached |
| Garage Area | 780 sqft |
| Porch | Porch |
| Porch Area | 144 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 655 CECIL AVE |
|---|---|
| City | CECILIA |
| State | KY |
| Zip | 42724-8645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD SUBD LT 01B & 02B #1 |
| Legal Subdivision | LAKEWOOD SUBD |
| Legal Lot Number | 1B-02B |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | CECILIA |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 1701 |
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 | 655 CECIL AVE, CECILIA, KY 42724-8645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY BANK INC |
| Apr 29, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WEST POINT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2007 · Amount on Record |
| Deed Sale | Oct 24, 2007 · Amount on Record |
| Deed Document Number | 0001242797 |
| Deed Book / Page | 1242 / 797 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 655 CECIL AVE, CECILIA, KY 42724-8645 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2356/1145 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 2356/1145 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 655 CECIL AVE, CECILIA, KY 42724-8645 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2265/1155 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 2265/1155 |
| Instrument | 20190-00004900 |
| Name | WEST POINT BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
Source: Hardin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hardin County |
| Unified School District | Hardin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,634.00 (+9.01%) Homeowner's exemption Additional exemption filed | $217,500 (-) Land $25,800 Building $191,700 | $217,500 (-) Land $25,800 Building $191,700 |
| 2023 | $217,500 Land $25,800 Building $191,700 | $217,500 Land $25,800 Building $191,700 | |
| 2021 | $1,499.00 |
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 |
| Nearby Flood Policies | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 #2 serves 76,326 people · EPA ID KY0470175 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 6 ppb (2022–2024) 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Brandenburg Telecom Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 300 / 20 |
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