1069 Cedar Ridge Ln, Versailles, KY 40383 Property Records

Woodford County property record for 1069 Cedar Ridge Ln, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,296 sqft · built 2005
Lot Size	0.259 acres (11,318 sqft)
Owner	2 Individual Names on File
Last Sale	$373,000 (Jan 2022)
Tax Bill	$4,089 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-7015-002-00`

Property Details

APN / Parcel Number

Primary APN	`31-7015-002-00`
Alternative APN	`34352`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,296 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Foundation Type	Block
Lot Area	11,318 sqft (0.259 acres)
Garage Type	Attached
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	34352
Street Address	1069 CEDAR RIDGE LN
City	VERSAILLES
State	KY
Zip	40383-9267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 STORY
Legal Subdivision	CEDAR RIDGE SUBDIVISION
Legal Block	U1-B
Legal Lot Number	20
Legal Unit	1
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	3
Census Block	3008
Census Tract	50106

Owner

1069 Cedar Ridge Ln is owned and occupied by two individuals who bought it in January 2022.

Source: Woodford County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1069 CEDAR RIDGE LN, VERSAILLES, KY 40383-9267
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Jan 18, 2022	Deed, Transfer · Conventional Mortgage CITIZENS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	May 13, 2005 · Amount on File
Deed Document Number	2022127126
Deed Book / Page	331 / 260
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Recording Date	Oct 1, 2026
Property Address	1069 CEDAR RIDGE LN, VERSAILLES, KY 40383-9267
Document Number	0000305509
Book / Page	1035 / 609
Instrument Date	Sep 9, 2026
Instrument	2026305509
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 CEDAR RIDGE LN, VERSAILLES, KY 40383-9267

Mortgage

Document Number	0000305509,
Date	Oct 1, 2026
Book Page	1035/609
Instrument	2026305509

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Jan 18, 2022
Property Address	1069 CEDAR RIDGE LN, VERSAILLES, KY 40383-9267
Document Number	00D331/260
Book / Page	D331 / 260
Map Reference	CAB D SL 53
Instrument Date	Jan 14, 2022
Instrument	127126
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$373.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16440 GRASSY CREEK DR, HUNTERSVILLE, NC 28078-4317

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1069 CEDAR RIDGE LN, VERSAILLES, KY 40383-9267

Mortgage

Document Number	0000127127
Date	Jan 18, 2022
Instrument	127127

Lender

Name	CITIZENS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1069 Cedar Ridge Ln was $4,089.

Source: Woodford County assessment roll, as of December 12, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Woodford County
Municipality	Versailles City
Unified School District	Woodford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,089.00	$455,000	$455,000
2023	$3,729.00	$373,000	$373,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1069 Cedar Ridge Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

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

Wildfire risk around 1069 Cedar Ridge Ln 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	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	VERSAILLES WATER SYSTEM serves 17,822 people · EPA ID KY1200439
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024 Organic carbon removal Jan 2024
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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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