Jessamine County property record for 114 Summertree Dr, Nicholasville, KY 40356
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,631 sqft · built 1982 |
| Lot Size | 0.709 acres (30,903 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Sep 2008) |
| Tax Bill | $4,760 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2020 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-30-05-015.00 |
| Primary APN | 042-30-05-015.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,631 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick Veneer |
| Lot Area | 30,903 sqft (0.709 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|
| Street Address | 114 SUMMERTREE DR |
|---|---|
| City | NICHOLASVILLE |
| State | KY |
| Zip | 40356-9186 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2B |
| Legal Subdivision | CROSSWOODS |
| Legal Block | B |
| Legal Lot Number | 2 |
| Jurisdiction | JESSAMINE KY |
| Township / Civil Division | KEENE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 60600 |
Source: Jessamine County records, as of May 7, 2026
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 | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HEALTH AND EDUCATION FEDERAL CREDIT UNION |
| Aug 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage L&N FCU |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| May 26, 2021 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 12, 2018 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2008 · Amount on Record |
| Deed Sale | Sep 16, 2008 · Amount on Record |
| Deed Document Number | 2008225989 |
| Deed Book / Page | 609 / 106 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Recording Date | Apr 24, 2026 |
| Property Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Document Number | 0000567549 |
| Book / Page | 1639 / 278 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 2026567549 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Investor | Possibly a Property Investor |
| Document Number | 0000567549, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 1639/278 |
| Instrument | 2026567549 |
| Name | HEALTH AND EDUCATION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 14, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Property Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000391660 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | M1417/314 |
| Instrument | 391660 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Property Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | RAINBOW TITLE COMPANY INC |
| Name | Verified Name |
|---|
| Document Number | 0000386347 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | M1394/796 |
| Instrument | 386347 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Recording Date | May 26, 2021 |
| Property Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Document Number | 0000402079 |
| Book / Page | D826 / 928 |
| Map Reference | MB 7 PG 51 |
| Instrument Date | May 21, 2021 |
| Instrument | 402079 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | PRECISE TITLE SERVICES INC, PRECISE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 SUMMERTREE DR, 114, NICHOLASVILLE, KY 40356-9186 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Document Number | 0000402080 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 402080 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Property Address | 114 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9186 |
| Document Number | 0000363162 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 114 SUMMERTREE DR NICHOLASVILLE KY 403569186, NICHOLASVILLE, KY 40356-9186 |
| Document Number | 0000363162 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 001321/000156 |
| Instrument | 363162 |
| Name | COMMONWEALTH CU |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602-0978 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Jessamine County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Jessamine County |
| Unified School District | Jessamine County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,760.00 (-1.12%) | $415,000 (-) Land $60,000 Building $355,000 | $415,000 (-) Land $60,000 Building $355,000 |
| 2023 | $4,814.00 | $415,000 Land $60,000 Building $355,000 | $415,000 Land $60,000 Building $355,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015 · rainfall accumulation |
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.
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 | Direct burnable vegetation |
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 | JESSAMINE S ELKHORN WATER DIST serves 8,826 people · EPA ID KY0570249 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Oct 2018 |
|---|---|
| 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 60 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 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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