820 Reuben Smith Rd, Loretto, KY 40037 Property Records

Marion County property record for 820 Reuben Smith Rd, Loretto, KY 40037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 2003
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Mar 2020)
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009-027-14`

Property Details

APN / Parcel Number

Primary APN	`009-027-14`
Alternative APN	`84251`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,664 sqft Living Area
Basement Area	1,408 sqft
Unfinished Basement	1,408 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Account Number	84251
Street Address	820 REUBEN SMITH RD
City	LORETTO
State	KY
Zip	40037-8180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 14 4.509 ACR
Legal Subdivision	ISADORE HAGAN PROPERTY DIVISION
Legal Tract	14
Jurisdiction	MARION KY
Township / Civil Division	LORETTO
Census Block Group	1
Census Block	1015
Census Tract	970400

Owner

Source: Marion County assessment roll, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	820 REUBEN SMITH RD, LORETTO, KY 40037-8180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 5, 2020	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Prior Sale	Aug 11, 2010 · Amount on Record
Deed Book / Page	334 / 801
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	000283/009
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION KY
Property Address	820 REUBEN SMITH RD, LORETTO, KY 40037-8180
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000467/20
Date	Sep 29, 2021
Book Page	467/20

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MARION KY
Recording Date	Mar 5, 2020
Property Address	820 REUBEN SMITH RD, LORETTO, KY 40037-8180
Document Number	000334/801
Book / Page	334 / 801
Map Reference	CAB 2 SL 206
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6020 HOLY CROSS RD, 6020, LORETTO, KY 40037-8121

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	820 REUBEN SMITH RD, LORETTO, KY 40037-8180

Mortgage

Document Number	000440/401
Date	Mar 5, 2020
Book Page	440/401

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Marion County assessment roll, as of May 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,157.00 (+9.33%)	$245,000 (+11.36%) Land $245,000	$245,000 (+11.36%) Land $245,000
2023	$1,973.00	$220,000 Land $220,000	$220,000 Land $220,000

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 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

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 at the parcel

Drinking Water

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

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T DSL · Fixed Wireless in parts of the area	25 / 5

May also be available: Broadband on Demand.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Reuben Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures