Dollar General vs. the Neighborhood: Who Usually Wins the Zoning Fight?

27 Oct

By T.W. Shortt, CRS®, CRB®, Broker, REALTY WORLD Knox Realty Group, LLC

At 2305 Hodgenville Road outside Elizabethtown, a proposed Dollar General has raised a familiar question in Hardin County: What happens when a developer wants to bring commercial use into an established neighborhood?

Rafferty Development has sought to rezone the approximately two-acre property from residential to neighborhood commercial for a new store. Nearby residents have organized in opposition, raising concerns about traffic, lighting, drainage, neighborhood character, and possible effects on an adjoining cattle farm.

The proposal has also touched the family living on the property.

In an October 23 article, The News-Enterprise reported that Wesley and Kristen Thornhill and their two sons had faced months of uncertainty over a possible sale. The family was told they would have 60 days to move once the property sold. They have since purchased land in Grayson County and plan to start fresh.

The zoning process has taken an unusual turn. Rafferty withdrew its application before an October 13 hearing, then reapplied later that day, according to the newspaper. A public hearing was tentatively anticipated for November 17. The planning commission had not ruled on the proposal when the newspaper reported the story.

So who wins a contest like this?

The zoning matters

The answer often begins with the property’s existing zoning.

If land is already zoned for commercial use, and a proposed development satisfies applicable requirements for access, parking, drainage, setbacks, and landscaping, a developer generally has a stronger position. Opposition to a particular retailer alone may not prevent an otherwise permitted use.

The situation differs when a developer seeks to change residential or agricultural zoning to commercial.

Under Kentucky law, before a zoning map amendment is granted, the planning commission or governing body must find that it agrees with the adopted comprehensive plan—or make certain alternative findings specified by law. apps.legislature.ky.gov

That gives residents an opportunity to present evidence about how the proposed development relates to surrounding property, infrastructure, and the community’s plans. The strongest case focuses on land use and the site’s facts.

Developers have resources, too. They may retain engineers, attorneys, and traffic consultants. They may revise an entrance, offer buffers, address drainage concerns, or pursue a different location.

The view from the landlord’s side

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The Listings You May Never See: Why the National MLS Fight Matters in Kentucky

26 Oct

By T.W. Shortt, CRS®, CRB®, Broker, REALTY WORLD Knox Realty Group, LLC

A federal lawsuit involving Compass and six large multiple listing services may seem distant from Radcliff, Vine Grove, Elizabethtown, and Fort Knox. However, the dispute reaches directly into the purpose of our own Heart of Kentucky MLS: cooperation among competing real estate companies.

On October 21, Arizona Regional MLS, bridgeMLS, Canopy MLS, Doorify MLS, Hive MLS, and REcolorado filed suit against Compass in federal court. The MLS organizations are asking the court to declare that their cooperation rules comply with state and federal antitrust laws. dockets.justia.com

The MLS organizations allege that Compass wants the benefits of the shared MLS marketplace while withholding some publicly marketed properties from that marketplace. Compass responds that the homeowner—not an MLS—should decide how and when a property is marketed.

No court has decided which side is correct. The claims remain allegations, and both positions raise legitimate questions.

The Case for MLS Cooperation

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An Earned VA Benefit. Builder’s Rate Buydown. A Stronger Homebuying Opportunity.

24 Oct

By: Doug Witten, a retired U.S. Army Military Police officer and a REALTOR® with REALTY WORLD Knox Realty Group, LLC, serving buyers and sellers in the Fort Knox–Hardin County area.

For veterans and military families buying near Fort Knox, combining a VA home loan with a builder-funded interest-rate buydown can address two major obstacles: the cash needed to purchase and the monthly payment.

The VA benefit can help preserve your savings. The builder’s buydown can help reduce your payment. Together, they can strengthen your family’s financial position.

National builders understand that a home must fit the buyer’s monthly budget. Some contribute money toward mortgage financing to help secure a sale. When that incentive applies to VA financing, an eligible military buyer may gain both advantages in one transaction.

Here is how the combination can work.

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Before the Votes Are Counted, Thank You for Stepping Forward

24 Oct

By T.W. Shortt, Former Radcliff Councilman and local business owner

The election is just days away. Soon, the signs will come down, the advertisements will stop, and voters will have made their choices.

Some candidates will celebrate. Others will gather their signs, thank their supporters, and come to terms with a disappointment that only those who have run can fully understand.

Before that happens, I want to say something to everyone who put their name on the ballot:

Thank you for stepping forward.

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It’s Your Money. Why Must You Fight the Mortgage Company to Keep It?

23 Oct

Author’s Note: This article draws on my personal experience helping a Kentucky homeowner challenge excessive mortgage escrow collections and secure cancellation of the escrow account. It reflects my longstanding commitment to consumer protection, transparency, and fairness in real estate transactions.

By T.W. Shortt | Kentucky Real Estate Broker Since 1989 | CRS®, CRB® | Principal Broker, REALTY WORLD® Knox Realty Group, LLC — The Fort Knox Office™ | Former President, Heart of Kentucky Association of REALTORS®

A homeowner builds substantial equity in a property, faithfully makes the mortgage payments, and demonstrates the financial ability to manage homeownership.

You would think eliminating unnecessary mortgage-related expenses would be relatively simple.

From personal experience, I can tell you it isn’t always that way.

A Real Kentucky Homeowner’s Experience

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Real Estate 2027

23 Oct

By: T.W. Shortt. Principal Broker of REALTY WORLD® Knox Realty Group, LLC, former President of the Heart of Kentucky Association of REALTORS®

After 40 years in real estate, I believe 2027 could bring some of the most consequential changes our industry has experienced. The question is whether brokers, associations, and consumers will be prepared.

When I entered real estate in 1987, the Multiple Listing Service was the foundation of cooperation among competing brokers. Today, technology, artificial intelligence, antitrust litigation, and changing consumer expectations are testing that traditional business model.

As we look toward 2027, several developments deserve our attention.

Nationally: Competition and Artificial Intelligence

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Who Is Paying the $120 Million Real Estate Settlement — and Could Kentucky Buyers Receive Part of It?

22 Oct

By TW Shortt, CRS™, CRB™
Broker/Manager, REALTY WORLD® Knox Realty Group and Flat Fee Connect, LLC

A major real estate antitrust settlement is approaching an important deadline, and some Kentucky homebuyers may want to pay attention.

The proposed settlement in Tuccori et al. v. At World Properties, LLC et al. creates a combined fund of about $120.3 million for qualifying homebuyers who purchased MLS-listed homes during the applicable class periods and paid a brokerage commission in connection with the transaction.

Claims must be submitted or postmarked by October 27, 2026.

So where does the money come from?

The settling real estate organizations pay it. The National Association of REALTORS® is contributing $52.25 million, with additional millions coming from HomeServices of America, Anywhere Real Estate, Hanna Holdings, Compass, eXp, and numerous other brokerage companies.

The defendants deny violating the law, and the settlement does not find that they did.

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Duvall Wants to Lead Hardin County. His Radcliff Record Deserves Scrutiny.

21 Oct

A Former Radcliff Councilman Speaks Out

OPINION | By T.W. Shortt
Former Radcliff Councilman, Co-founder of the Radcliff Small Business Alliance, and Local Business Owner

My professional career has been centered in Radcliff. My main office has always been here, and our commercial investments have been concentrated in the very areas where I have repeatedly called for redevelopment and a stronger economic future.

I campaigned on those concerns, raised them while serving on the council, and have continued discussing them publicly. I believe Radcliff has substantial potential, and I have invested my time and money in that belief.

That commitment helps explain my support for Keith Taul for reelection as Hardin County judge/executive.

I know both Keith Taul and J.J. Duvall. I have met with them many times, exchanged views with each, and observed their public service. I served on the Radcliff City Council alongside Mayor Duvall.

I like both men. But voters must consider what each has accomplished with the responsibilities entrusted to him.

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When Builders Start Cutting Prices, Resale Sellers Need to Pay Attention

20 Oct

By TW Shortt, CRS™, CRB™
Broker/Manager, REALTY WORLD® Knox Realty Group and Flat Fee Connect, LLC

After nearly 40 years in real estate in Hardin County, I have seen the housing market change more than once.

I have watched interest rates rise and fall, builders come and go, Fort Knox expand and contract, buyer demand surge, and sellers struggle to understand why a house that would have sold quickly a year earlier suddenly sat on the market.

One thing has remained constant:

The market always tells us what is happening—if we are willing to listen.

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When the Real Estate Market Changes, You Need a Steady Hand on the Wheel

20 Oct

By TW Shortt, Principal Broker, CRS®, CRB®

REALTY WORLD Knox Realty Group, LLC — The Fort Knox Office™

A changing real estate market can make people nervous. Sellers wonder if they waited too long. Buyers wonder if they should wait longer. Headlines offer plenty of reasons to worry, but they rarely tell a family what to do about the house they need to buy or sell.

Since entering real estate in 1987, I have worked through four decades of changing conditions in Hardin County. Those years have reinforced one lesson: when the road changes, a steady hand on the wheel matters.

Different Markets, Different Challenges

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