116 E Main St, Princeton, KY 42445 Property Records

Caldwell County property record for 116 E Main St, Princeton, KY 42445

Property Summary

Property Type	Commercial
Details	3,450 sqft
Owner	Company Name on Record
Last Sale	$53,500 (Aug 2021)
Tax Bill	$521 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`138259-001`

Property Details

APN / Parcel Number

Primary APN	`138259-001`
Alternative APNs	`10295901` `P5-49-8`

Interior

Stories	2 Stories
Building Area	3,450 sqft Total Area

Exterior

Exterior Material	Brick
Roof Material	Tar & Gravel

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	116 E MAIN ST
City	PRINCETON
State	KY
Zip	42445-1646
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BLDG & LOT 116 EAST MAIN STREET
Legal Lot Number	116
Jurisdiction	CALDWELL KY
Township / Civil Division	PRINCETON
Census Block Group	3
Census Block	3012
Census Tract	920301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Princeton Downtown Commercial District listed 1988 · 43 contributing resources · NRIS 88001017

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Caldwell County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	116 E MAIN ST, PRINCETON, KY 42445-1646
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Aug 5, 2021	Deed of Trust, Mortgage · Line of Credit UNITED BANK & CAPITAL TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2021 · Amount on Record
Deed Sale	Aug 5, 2021 · Amount on Record
Deed Document Number	000D336478
Deed Book / Page	D336 / 478
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	116 E MAIN ST, PRINCETON, KY 42445-1646
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E MAIN ST, PRINCETON, KY 42445-1646

Mortgage

Document Number	000390/361
Date	Jan 13, 2023
Book Page	390/361

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Dec 20, 2027

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	116 E MAIN ST, PRINCETON, KY 42445-1646
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E MAIN ST, PRINCETON, KY 42445-1646

Mortgage

Document Number	M375/236
Date	Oct 14, 2021
Book Page	M375/236

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	42308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 5, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	116 E MAIN ST, PRINCETON, KY 42445-1646
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E MAIN ST, PRINCETON, KY 42445-1646

Mortgage

Document Number	M372/328
Date	Aug 5, 2021
Book Page	M372/328

Lender

Name	UNITED BANK & CAPITAL TRUST CO
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	143 Months
Due	Jul 25, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Caldwell County
Municipality	Princeton City
Unified School District	Caldwell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$521.00 (-1.33%)	$53,500 (-)	$53,500 (-)
2023	$528.00	$53,500	$53,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PRINCETON WATER & SEWER COMMISSION private · serves 7,007 people · EPA ID KY0170360
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Princeton Electric, Verizon.

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