103 W Main St, Crofton, KY 42217 Property Records

Christian County property record for 103 W Main St, Crofton, KY 42217

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,200 sqft
Lot Size	0.061 acres (2,690 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Jan 2021)
Tax Bill	$327 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Oct 2020 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`096-01 00 103.00`

Property Details

APN / Parcel Number

Primary APN	`096-01 00 103.00`
Alternative APN	`461055003`

Interior

Stories	1 Story
Building Area	1,200 sqft Heated Area

Exterior

Exterior Material	Brick
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	2,690 sqft (0.061 acres)
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Account Number	461055003
Street Address	103 W MAIN ST
City	CROFTON
State	KY
Zip	42217-8282
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	103 W MAIN ST
Jurisdiction	CHRISTIAN KY
Township / Civil Division	CROFTON
Census Block Group	1
Census Block	1018
Census Tract	201100

Owner

Source: Christian County records, as of December 2, 2025

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 Record
Mailing Address	170 S MADISONVILLE ST, CROFTON, KY 42217-8008
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Grant Deed, Transfer MICHAEL L & PENNY M SPEARS
Oct 15, 2020	Foreclosure, Transfer NOT AVAILABLE
Aug 23, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on Record
Deed Sale	Jan 15, 2021 · Amount on Record
Prior Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	202110015696
Deed Book / Page	772 / 438
Prior Transfer Date	Sep 23, 2020
Prior Transfer Doc	0000350245
Record Updated	Jun 8, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHRISTIAN KY
Recording Date	Jan 15, 2021
Property Address	103 W MAIN ST, CROFTON, KY 42217-8282
Document Number	0007720438
Book / Page	000772 / 000438
Instrument Date	Jan 13, 2021
Instrument	10015696
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	170 S MADISONVILLE ST CROFTON KY 422178008, CROFTON, KY 42217-8008

Mortgage

Document Number	16410536
Date	Jan 15, 2021
Book Page	001641/000536
Instrument	10015697

Lender

Name	MICHAEL L & PENNY M SPEARS
Address	13341 DAWSON SPRINGS RD, CROFTON, KY 42217-8322
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	156 Months
Due	Jan 14, 2034

October 2020: Foreclosure, Transfer

Document Type	Foreclosure
Jurisdiction	CHRISTIAN KY
Recording Date	Oct 15, 2020
Property Address	103 W MAIN ST, CROFTON, KY 42217-8282
Document Number	0000350245
Book / Page	000035 / 000245
Instrument Date	Sep 23, 2020
Instrument	10013117
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$31.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13341 DAWSON SPRINGS RD CROFTON KY 422178322, CROFTON, KY 42217-8322

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHRISTIAN KY
Recording Date	Aug 23, 2017
Property Address	103 W MAIN ST, CROFTON, KY 42217-8282
Document Number	0007360700
Book / Page	000736 / 000700
Instrument Date	Aug 22, 2017
Instrument	5754
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13341 DAWSON SPRINGS RD CROFTON KY 422178322, CROFTON, KY 42217-8322

Tax Assessment & Valuation

Source: Christian County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Christian County
Municipality	Crofton City
Unified School District	Christian County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$327.00 (+3.48%)	$35,000 (-)	$35,000 (-)
2023	$316.00	$35,000	$35,000

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 September 17, 2020

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	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	CHRISTIAN CO WATER DISTRICT serves 17,248 people · EPA ID KY0240521
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2022–2024) 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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: energynet.

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