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977 Austin Dr, Radcliff, KY 40160 Property Records

Hardin County property record for 977 Austin Dr, Radcliff, KY 40160

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,525 sqft · built 1986
Lot Size0.24 acres (10,454 sqft)
OwnerIndividual Name on Record
Last Sale$215,000 (Jan 2024)
Tax Bill$2,017 (2025)
Deeds & MortgagesSep 2017 Mortgage
Jan 2024 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN180-20-08-010

Property Details

APN / Parcel Number

Primary APN180-20-08-010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,525 sqft Living Area
Basement Area984 sqft
Unfinished Basement984 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area10,454 sqft (0.24 acres)
Patio Area240 sqft

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address977 AUSTIN DR
CityRADCLIFF
StateKY
Zip40160-9031
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHISPERING HILLS LT 247 #12
Legal SubdivisionWHISPERING HILLS
Legal Block8
Legal Lot Number247
JurisdictionHARDIN KY
Township / Civil DivisionRADCLIFF
Census Block Group2
Census Block2013
Census Tract600

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 RecordIndividual Name on Record
Mailing Address977 AUSTIN DR, RADCLIFF, KY 40160-9031
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2017Deed of Trust, Mortgage
KENTUCKY HOUSING CORP
Jan 18, 2024Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 25, 2023Warranty Deed, Transfer
COMMONWEALTH TITLE GROUP LLC
Sep 12, 2017Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 18, 2024 · Amount on Record
Deed SaleJan 18, 2024 · Amount on Record
Prior SaleSep 25, 2023 · Amount on Record
Deed Book / Page1563 / 768
Record UpdatedSep 20, 2026

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHARDIN KY
Property Address977 AUSTIN DR, RADCLIFF, KY 40160-9031
Transaction TypeMortgage
Record UpdatedFeb 2, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02209/1377
DateSep 12, 2017
Book Page2209/1377
Lender
NameKENTUCKY HOUSING CORP
TypeGovernment Agency
AddressFRANKFORT, KY 40601
Agreement
AmountAmount Recorded
Term61 Months
DueOct 1, 2022

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHARDIN KY
Recording DateJan 18, 2024
Property Address977 AUSTIN DR, RADCLIFF, KY 40160-9031
Document Number001563/768
Book / Page1563 / 768
Map ReferenceCAB 1 SH 526
Instrument DateDec 7, 2023
Transaction TypeTransfer
Record UpdatedDec 5, 2025
Title CompanyCOMMONWEALTH TITLE GROUP LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$215.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address117 SPRUCE LN, LOUISVILLE, KY 40207-1703

Transferred To (Grantee/Buyer)

NameVerified Name
Address977 AUSTIN DR, RADCLIFF, KY 40160-9031

Mortgage

Document Number0002507720
DateJan 18, 2024
Instrument2507/720
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term359 Months
DueDec 1, 2053

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHARDIN KY
Recording DateSep 25, 2023
Property Address977 AUSTIN DR, RADCLIFF, KY 40160-9031
Document Number001558/893
Book / Page1558 / 893
Map ReferenceCAB 1 SH 526
Instrument DateSep 13, 2023
Transaction TypeTransfer
Record UpdatedFeb 2, 2024
Title CompanyCOMMONWEALTH TITLE GROUP LLC

Transaction

AmountAmount Recorded
Tax$158.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address977 AUSTIN DR, RADCLIFF, KY 40160-9031

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 SPRUCE LN, LOUISVILLE, KY 40207-1703
InvestorPossibly a Property Investor

September 2017: Deed, Transfer

Document TypeDeed
JurisdictionHARDIN KY
Recording DateSep 12, 2017
Property Address977 AUSTIN DR, RADCLIFF, KY 40160-9031
Document Number01445/1073
Book / Page1445 / 1073
Instrument DateSep 1, 2017
Transaction TypeTransfer
Record UpdatedFeb 2, 2024
Title CompanyLIMESTONE TITLE &ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address977 AUSTIN DR, RADCLIFF, KY 40160-9031

Mortgage

Document Number02209/1359
DateSep 12, 2017
Book Page2209/1359
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressLOUISVILLE, KY 40245
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyHardin County
MunicipalityRadcliff City
Unified School DistrictHardin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,017.00 (+54.2%)$215,000 (+58.55%) Land $18,000 Building $197,000$215,000 (+58.55%) Land $18,000 Building $197,000
2023$135,600 (-) Land $14,200 Building $121,400$135,600 (-) Land $14,200 Building $121,400
2022$135,600 Land $14,200 Building $121,400$135,600 Land $14,200 Building $121,400
2021$1,308.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1997–2017)
Claims Outside the SFHA2 of 2
Most Recent ClaimOct 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHARDIN COUNTY WATER DISTRICT #1
serves 30,230 people · EPA ID KY0470393
Water SourceSurface water
Last State InspectionApr 2023
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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