Nelson County property record for 115 Thomas Ln, Bloomfield, KY 40008
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,179 sqft · built 1920 |
| Lot Size | 11.7 acres (510,088 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Apr 2024) |
| Tax Bill | $4,547 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Mar 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 75000-00-050.01 |
| Primary APN | 75000-00-050.01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,179 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 510,088 sqft (11.7 acres) |
| Garage Type | Attached |
| Garage Area | 4,690 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 15 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 125608 |
|---|---|
| Street Address | 115 THOMAS LN |
| City | BLOOMFIELD |
| State | KY |
| Zip | 40008-7409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 115 THOMAS LANE |
| Jurisdiction | NELSON KY |
| Township / Civil Division | BARDSTOWN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 930500 |
Source: Nelson County records, as of August 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 24, 2024 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 3, 2022 | Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK |
| Aug 3, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 28, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2024 · Amount on Record |
| Deed Sale | Apr 24, 2024 · Amount on Record |
| Prior Sale | Aug 25, 2014 · Amount on Record |
| Deed Document Number | 20243951 |
| Deed Book / Page | 600 / 744 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | Apr 24, 2024 |
| Property Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Document Number | 00D600/744 |
| Book / Page | D600 / 744 |
| Instrument Date | Apr 23, 2024 |
| Instrument | 2024003951 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3781 1ST STREET, NEW HAVEN, KY 40051 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Document Number | 0M1457/192 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | M1457/192 |
| Instrument | 2024003952 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Document Number | 0M1369/778 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | M1369/778 |
| Instrument | 2022002528 |
| Name | THE PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | TAYLORSVILLE, KY 40071 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Feb 19, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | M1332/715 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | M1332/715 |
| Instrument | 2021010343 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 115 THOMAS LN, BLOOMFIELD, KY 40008-7409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETTLEMENTS |
| Name | Verified Name |
|---|
| Document Number | M1198/730 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | M1198/730 |
| Instrument | 2019002360 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
Source: Nelson County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Nelson County |
| Unified School District | Nelson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,547.00 (+123.77%) | $450,000 (+152.81%) Building $450,000 | $450,000 (+152.81%) Building $450,000 |
| 2023 | $2,032.00 | $178,000 | $178,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| 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.
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 | BLOOMFIELD WATER & SEWER DEPT serves 5,771 people · EPA ID KY0900031 |
|---|---|
| Water Source | Purchased surface water from BARDSTOWN MUNICIPAL WATER DEPT |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2023 |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2023 |
| Monitoring and Reporting | 3 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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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