Hardin County property record for 745 Franklin St, Radcliff, KY 40160
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1990 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Apr 2018) |
| Tax Bill | $1,372 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180-20-10-338 |
| Primary APN | 180-20-10-338 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Basement Area | 1,560 sqft |
| Finished Basement | 1,560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Raised Ranch |
| Lot Area | 10,019 sqft (0.23 acres) |
| Patio Area | 155 sqft |
| Heating System | Central |
|---|
| Street Address | 745 FRANKLIN ST |
|---|---|
| City | RADCLIFF |
| State | KY |
| Zip | 40160-9055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HILLS LT 338 #15 |
| Legal Subdivision | WHISPERING HILLS |
| Legal Tract | 338 |
| Legal Block | 10 |
| Legal Lot Number | 338 |
| Jurisdiction | HARDIN KY |
| Township / Civil Division | RADCLIFF |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 600 |
Source: Hardin County records, as of August 13, 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 | 745 FRANKLIN ST, RADCLIFF, KY 40160-9055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 23, 2018 | Deed of Trust, Mortgage · FHA Mortgage SOUTH CENTRAL BANK |
| Apr 23, 2018 | Deed, Subdivision Related Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2018 · Amount on Record |
| Deed Sale | Apr 23, 2018 · Amount on Record |
| Prior Sale | Apr 25, 2008 · Amount on Record |
| Deed Document Number | 20184559 |
| Deed Book / Page | 1455 / 756 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Jul 30, 2026 |
| Property Address | 745 FRANKLIN ST, RADCLIFF, KY 40160-9055 |
| Document Number | 2626000845 |
| Book / Page | 2626 / 845 |
| Instrument Date | Jul 18, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 745 FRANKLIN ST, RADCLIFF, KY 40160-9055 |
| Document Number | 2626000845, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 2626/845 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN KY |
| Property Address | 745 FRANKLIN ST, RADCLIFF, KY 40160-9055 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002230/0000001447 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 0000002230/0000001447 |
| Instrument | 180-00004559 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN KY |
| Recording Date | Apr 23, 2018 |
| Property Address | 745 FRANKLIN ST, RADCLIFF, KY 40160-9055 |
| Document Number | 001455/756 |
| Book / Page | 1455 / 756 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 180-00004559 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 745 FRANKLIN ST, RADCLIFF, KY 40160-9055 |
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 | $1,372.00 (+22.94%) | $143,900 (+25.13%) Land $18,000 Building $125,900 | $143,900 (+25.13%) Land $18,000 Building $125,900 |
| 2023 | $115,000 (-) Land $14,100 Building $100,900 | $115,000 (-) Land $14,100 Building $100,900 | |
| 2022 | $115,000 Land $14,100 Building $100,900 | $115,000 Land $14,100 Building $100,900 | |
| 2021 | $1,116.00 |
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 |
| 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.
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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