Lincoln County property record for 112 Garden Ave, Stanford, KY 40484
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,107 sqft |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $84,000 (Jul 2018) |
| Tax Bill | $825 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Jul 2018 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07A-003-05 |
| Primary APN | 07A-003-05 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,107 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 378 sqft |
| Driveway | Asphalt Driveway |
| Total Buildings | 2 Buildings |
| Heating Fuel | Electric |
|---|
| Street Address | 112 GARDEN AVE |
|---|---|
| City | STANFORD |
| State | KY |
| Zip | 40484-9569 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | H & LOTS 27 & 28 & BLD |
| Legal Subdivision | EATON |
| Legal Lot Number | 27-28 |
| Jurisdiction | LINCOLN KY |
| Township / Civil Division | STANFORD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 920102 |
112 Garden Ave is owned and occupied by an individual who bought it in July 2018.
Source: Lincoln County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 112 GARDEN AVE, STANFORD, KY 40484-9569 |
| 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.
| Date | Document |
|---|---|
| Mar 17, 2017 | Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB |
| Jul 23, 2018 | Deed, Transfer · Line of Credit THE FARMERS NATIONAL BANK OF DANVIL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2018 · Amount on File |
| Deed Sale | Jul 23, 2018 · Amount on File |
| Prior Sale | May 7, 2013 · Amount on File |
| Deed Document Number | 2018339283 |
| Deed Book / Page | 441 / 854 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 112 GARDEN AVE, STANFORD, KY 40484-9569 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC |
| Name | Verified Name |
|---|
| Document Number | MTG444/109 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | MTG 444/109 |
| Instrument | 333494 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LINCOLN KY |
| Recording Date | Jul 23, 2018 |
| Property Address | 112 GARDEN AVE, STANFORD, KY 40484-9569 |
| Document Number | DEED441/854 |
| Book / Page | DEED 441 / 854 |
| Map Reference | MB 2 PG 2 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 339283 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 GARDEN AVE, 112, STANFORD, KY 40484-9569 |
| Name | Verified Name |
|---|---|
| Address | 112 GARDEN AVE, TYNER, KY 40486 |
| Document Number | 339284 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 339284 |
| Name | THE FARMERS NATIONAL BANK OF DANVIL |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2048 |
The 2025 property tax bill for 112 Garden Ave was $825, down 4.2% from the year before.
Source: Lincoln County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Lincoln County |
| Unified School District | Lincoln County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $825.00 (-4.18%) | $84,000 Land $14,000 Building $70,000 | $84,000 Land $14,000 Building $70,000 |
| 2024 | $861.00 | ||
| 2023 | $84,000 Land $15,000 Building $69,000 | $84,000 Land $15,000 Building $69,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 112 Garden Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective September 17, 2010 · 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 | 1 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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 112 Garden Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HUSTONVILLE WATER WORKS serves 5,420 people · EPA ID KY0690203 |
|---|---|
| Water Source | Purchased surface water from DANVILLE CITY WATER WORKS |
| Last State Inspection | May 2025 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2024 |
|---|---|
| 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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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