Marion County property record for 785 Reuben Smith Rd, Loretto, KY 40037
| Property Type | Single Family Home |
|---|---|
| Details | 896 sqft |
| Lot Size | 6.84 acres (298,081 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-021-02 |
| Primary APN | 009-021-02 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 896 sqft Living Area |
| Architectural Style | Mobile Home |
|---|---|
| Exterior Material | Metal |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 298,081 sqft (6.84 acres) |
| Porch | Slab |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 74677 |
|---|---|
| Street Address | 785 REUBEN SMITH RD |
| City | LORETTO |
| State | KY |
| Zip | 40037-8180 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6.843 ACRES & 1991 14X46 MOB W/BUILDINGS |
| Jurisdiction | MARION KY |
| Township / Civil Division | LORETTO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 970400 |
785 Reuben Smith Rd is owned and occupied by an individual.
Source: Marion County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 785 REUBEN SMITH RD, LORETTO, KY 40037-8180 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK AND TRUST |
| Feb 5, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 785 REUBEN SMITH RD, LORETTO, KY 40037-8180 |
| Document Number | 0000252552 |
| Book / Page | 529 / 706 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 2026252552 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 785 REUBEN SMITH RD, LORETTO, KY 40037-8180 |
| Document Number | 0000252552, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 529/706 |
| Instrument | 2026252552 |
| Name | CITIZENS BANK AND TRUST |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate | 5.84% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION KY |
| Property Address | 785 REUBEN SMITH RD, LORETTO, KY 40037-8180 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 785 REUBEN SMITH RD, LORETTO, KY 40037-8180 |
| Document Number | 000497/569 |
|---|---|
| Date | Feb 5, 2024 |
| Book Page | 497/569 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LEBANON, KY 40033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 785 Reuben Smith Rd was $7 with a homeowner's exemption.
Source: Marion County assessment roll, as of May 22, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Marion County |
| Unified School District | Marion County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7.00 Homeowner's exemption | $50,000 Land $50,000 | $50,000 Land $50,000 |
| 2023 | $32.00 Homeowner's exemption | $50,000 Land $50,000 | $50,000 Land $50,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 785 Reuben Smith Rd in Zone X, an area of minimal flood risk.
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 risk around 785 Reuben Smith Rd 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 | Direct burnable vegetation |
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 | 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 |
| 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 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 |
4G LTE (outdoors only), no 5G reported
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