769 Franklin St, Radcliff, KY 40160 Property Records

Hardin County property record for 769 Franklin St, Radcliff, KY 40160

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1992
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual on Record
Tax Bill	$1,005 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180-20-10-342`

Property Details

APN / Parcel Number

Primary APN	`180-20-10-342`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Living Area
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Lot Area	13,939 sqft (0.32 acres)
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	769 FRANKLIN ST
City	RADCLIFF
State	KY
Zip	40160-9055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS LT 342 #15
Legal Subdivision	WHISPERING HILLS
Legal Block	10
Legal Lot Number	342
Jurisdiction	HARDIN KY
Township / Civil Division	RADCLIFF
Census Block Group	2
Census Block	2021
Census Tract	600

Owner

Source: Hardin County assessment roll, 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 on Record
Mailing Address	769 FRANKLIN ST, RADCLIFF, KY 40160-9055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 2, 2011
Transfer Doc	1352/1534
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN KY
Property Address	769 FRANKLIN ST, RADCLIFF, KY 40160-9055
Transaction Type	Mortgage
Record Updated	Dec 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2411/1219
Date	Nov 3, 2021
Book Page	2411/1219

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,005.00 (+25.47%) Disabled Person's exemption Additional exemption filed	$152,600 (+25.39%) Land $18,000 Building $134,600	$152,600 (+25.39%) Land $18,000 Building $134,600
2023		$121,700 (-) Land $15,000 Building $106,700	$121,700 (-) Land $15,000 Building $106,700
2022		$121,700 Land $15,000 Building $106,700	$121,700 Land $15,000 Building $106,700
2021	$801.00

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
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

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.

Drinking Water

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

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 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