Hardin County property record for 657 Independence Dr, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,107 sqft · built 1986 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $71,200 (May 1999) |
| Tax Bill | $1,359 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-20-08-038 |
| Primary APN | 180-20-08-038 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,107 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 11,761 sqft (0.269 acres) |
| Patio Area | 232 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 657 INDEPENDENCE DR |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HILLS LT 220 #12 |
| Legal Subdivision | WHISPERING HILLS |
| Legal Lot Number | 220 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 600 |
657 Independence Dr is owned and occupied by two individuals who bought it in May 1999.
Source: Hardin County records, as of January 16, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 657 INDEPENDENCE DR, RADCLIFF, KY 40160-9643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 1999 · Amount on File |
| Deed Sale | May 5, 1999 · Amount on File |
| Deed Document Number | 0000934238 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 657 Independence Dr was $1,359.
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 | $1,359.00 | $142,500 Land $18,000 Building $124,500 | $142,500 Land $18,000 Building $124,500 |
| 2023 | $87,400 (-) Land $14,500 Building $72,900 | $87,400 (-) Land $14,500 Building $72,900 | |
| 2022 | $87,400 Land $14,500 Building $72,900 | $87,400 Land $14,500 Building $72,900 | |
| 2021 | $858.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 657 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 657 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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