704 E Main St, Cecilia, KY 42724 Property Records

Hardin County property record for 704 E Main St, Cecilia, KY 42724

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,353 sqft · built 1962
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on Record
Last Sale	$136,500 (Nov 2021)
Tax Bill	$1,345 (2025)
Deeds & Mortgages	Oct 2022 Transfer Nov 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`147-40-00-023`

Property Details

APN / Parcel Number

Primary APN	`147-40-00-023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,353 sqft Living Area
Basement Area	1,353 sqft
Unfinished Basement	1,353 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	23,522 sqft (0.54 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	704 E MAIN ST
City	CECILIA
State	KY
Zip	42724-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	HARDIN KY
Township / Civil Division	CECILIA
Census Block Group	2
Census Block	2107
Census Tract	1701

Owner

Source: Hardin County records, as of January 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	704 E MAIN ST, CECILIA, KY 42724-9621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Intrafamily Transfer, Transfer
Nov 16, 2021	Deed, Transfer · Conventional Mortgage TRANSCEND CU
Aug 12, 2021	Intrafamily Transfer, Transfer
Mar 2, 2021	Deed of Trust, Mortgage · FHA Mortgage COMMONWEALTH BANK & TRUST CO
Apr 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMONWEALTH BANK & TRUST COMPANY
Apr 25, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMONWEALTH BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Book / Page	1523 / 613
Last Transfer Date	Sep 21, 2022
Transfer Doc	001542/468
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN KY
Recording Date	Oct 4, 2022
Property Address	704 E MAIN ST, CECILIA, KY 42724-9621
Document Number	001542/468
Book / Page	1542 / 468
Instrument Date	Sep 21, 2022
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33125 WILSON RD, RADCLIFF, KY 40160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E MAIN ST, CECILIA, KY 42724-9621

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDIN KY
Recording Date	Nov 16, 2021
Property Address	704 E MAIN ST, CECILIA, KY 42724-9621
Document Number	1523/613
Book / Page	1523 / 613
Instrument Date	Nov 12, 2021
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 MASDEN ST, 41, RADCLIFF, KY 40160-1758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	704 E MAIN ST, CECILIA, KY 42724-9621

Mortgage

Document Number	2413949
Date	Nov 16, 2021
Instrument	2413/949

Lender

Name	TRANSCEND CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN KY
Recording Date	Aug 12, 2021
Property Address	704 E MAIN ST, CECILIA, KY 42724-9621
Document Number	1517/580
Book / Page	1517 / 580
Instrument Date	Aug 11, 2021
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 E MAIN ST, 704, CECILIA, KY 42724-9621

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 PARK LOOP RD, SHEPHERDSVILLE, KY 40165-7501

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	704 E MAIN ST, CECILIA, KY 42724-9621
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2365/717
Date	Mar 2, 2021
Book Page	2365/717

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	704 E MAIN ST, CECILIA, KY 42724-9621
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MATTINGLY FORD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2265/639
Date	Apr 25, 2019
Book Page	2265/639
Instrument	20190-00004724

Lender

Name	COMMONWEALTH BANK & TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2029

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	704 E MAIN ST, CECILIA, KY 42724-9621
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MATTINGLY FORD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2265/624
Date	Apr 25, 2019
Book Page	2265/624
Instrument	20190-00004724

Lender

Name	COMMONWEALTH BANK & TRUST COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Hardin County assessment roll, as of January 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,345.00 (+14.57%)	$136,500 (-) Land $12,400 Building $124,100	$136,500 (-) Land $12,400 Building $124,100
2023		$136,500 Land $12,400 Building $124,100	$136,500 Land $12,400 Building $124,100
2021	$1,174.00

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 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	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

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 96 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
AT&T Fixed Wireless	100 / 20

704 E Main St, Cecilia, KY 42724 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number