Clark County property record for 109 Mallard Ln, Winchester, KY 40391
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 1965 |
| Lot Size | 0.469 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,979 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-1002-008-00 |
| Primary APN | 043-1002-008-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| Basement Area | 1,378 sqft |
| Finished Basement | 1,378 sqft |
| Family Room | Family Room |
| Year Built | Built 1965 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,473 sqft (0.469 acres) |
| Lot Dimensions | 240 ft deep x 100 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 600 sqft |
| Porch | Porch |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 135025010001 |
|---|---|
| Street Address | 109 MALLARD LN |
| City | WINCHESTER |
| State | KY |
| Zip | 40391-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SINGLE FAMILY RESIDENTIAL |
| Legal Description | LOT 19 UNIT 2 P/DB 168_085 |
| Legal Subdivision | GREENFIELD |
| Legal Lot Number | 19 |
| Legal Unit | 2 |
| Jurisdiction | CLARK KY |
| Township / Civil Division | WINCHESTER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 20101 |
109 Mallard Ln is owned and occupied by two individuals.
Source: Clark County records, as of January 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 MALLARD LN, WINCHESTER, KY 40391-1629 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000580154 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLARK KY |
| Property Address | 109 MALLARD LN, WINCHESTER, KY 40391-1629 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 MALLARD LN, WINCHESTER, KY 40391-1629 |
| Document Number | 0M1098/319 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | M1098/319 |
| Instrument | 383041 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
The 2025 property tax bill for 109 Mallard Ln was $2,979.
Source: Clark County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clark County |
| Unified School District | Clark County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,979.00 | $310,000 Land $30,000 Building $280,000 | $310,000 Land $30,000 Building $280,000 |
| 2023 | $180,000 | $180,000 | |
| 2022 | $1,773.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Mallard Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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 risk around 109 Mallard 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINCHESTER MUNICIPAL UTILITIES private · serves 29,823 people · EPA ID KY0250473 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures