655 Reuben Smith Rd, Loretto, KY 40037 Property Records

Marion County property record for 655 Reuben Smith Rd, Loretto, KY 40037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,448 sqft · built 1982
Lot Size	28.4 acres (1,237,191 sqft)
Owner	Individual Name on Record
Last Sale	$154,500 (Aug 2021)
Tax Bill	$1,020 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`009-021`

Property Details

APN / Parcel Number

Primary APN	`009-021`
Alternative APN	`85399`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,448 sqft Living Area
Basement Area	1,448 sqft
Unfinished Basement	1,448 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,237,191 sqft (28.4 acres)
Garage Type	Detached
Garage Area	1,840 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	85399
Street Address	655 REUBEN SMITH RD
City	LORETTO
State	KY
Zip	40037-8175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	655 RUEBEN SMITH RD
Jurisdiction	MARION KY
Township / Civil Division	LORETTO
Census Block Group	1
Census Block	1017
Census Tract	970400

Owner

Source: Marion County records, as of October 20, 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
Mailing Address	655 REUBEN SMITH RD, LORETTO, KY 40037-8175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK
Aug 16, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2021 · Amount on Record
Deed Sale	Aug 16, 2021 · Amount on Record
Deed Document Number	2021230282
Deed Book / Page	346 / 35
Prior Transfer Date	Aug 13, 2021
Prior Transfer Doc	0346000035
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION KY
Property Address	655 REUBEN SMITH RD, LORETTO, KY 40037-8175
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000436/401
Date	Oct 16, 2019
Book Page	436/401

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Address	LEBANON, KY 40033

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MARION KY
Recording Date	Aug 16, 2021
Property Address	655 REUBEN SMITH RD, LORETTO, KY 40037-8175
Document Number	0000346/35
Book / Page	346 / 35
Instrument Date	Aug 13, 2021
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	758 REUBEN SMITH RD, LORETTO, KY 40037-8180

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	655 REUBEN SMITH RD, LORETTO, KY 40037-8175

Tax Assessment & Valuation

Source: Marion County assessment roll, as of May 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,020.00 (-4.14%) Homeowner's exemption	$165,000 (-) Land $20,000 Building $145,000	$165,000 (-) Land $20,000 Building $145,000
2023	$1,064.00 Homeowner's exemption	$165,000 Land $20,000 Building $145,000	$165,000 Land $20,000 Building $145,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 23, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MARION COUNTY WATER DISTRICT serves 16,311 people · EPA ID KY0780268
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	50 / 10
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Reuben Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures