116 Main St, North Middletown, KY 40357 Property Records

Bourbon County property record for 116 Main St, North Middletown, KY 40357

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft
Owner	Individual Name on File
Last Sale	$130,000 (May 2022)
Tax Bill	$1,115 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-10-07-010.00`

Property Details

APN / Parcel Number

Primary APN	`062-10-07-010.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area

Exterior

Exterior Material	Wood
Foundation Type	Stone

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gas

Location & Zoning

Street Address	116 MAIN ST
City	NORTH MIDDLETOWN
State	KY
Zip	40357-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & L - 116 MAIN ST - N M'T0WN - L #20
Legal Block	PR1&2
Legal Lot Number	20
Jurisdiction	BOURBON KY
Township / Civil Division	NORTH MIDDLETOWN
Census Block Group	2
Census Block	2022
Census Tract	30600

Owner

116 Main St is owned and occupied by an individual who bought it in May 2022.

Source: Bourbon County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	116 MAIN ST, NORTH MIDDLETOWN, KY 40357-8000
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Deed Document Number	796228
Deed Book / Page	321 / 700
Record Updated	Jun 8, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BOURBON KY
Recording Date	May 3, 2022
Property Address	116 MAIN ST, NORTH MIDDLETOWN, KY 40357-8000
Document Number	000321/700
Book / Page	321 / 700
Map Reference	MB F PG 162
Instrument Date	Apr 29, 2022
Instrument	796228
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	787 MAIN ST, SHARPSBURG, KY 40374-9119

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	116 MAIN ST, NORTH MIDDLETOWN, KY 40357-8000

Mortgage

Document Number	0000796238
Date	May 3, 2022
Instrument	796238

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 116 Main St was $1,115.

Source: Bourbon County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bourbon County
Municipality	North Middletown City
Unified School District	Bourbon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,115.00	$130,000 Land $10,000 Building $120,000	$130,000 Land $10,000 Building $120,000
2023	$1,137.00	$130,000 Land $10,000 Building $120,000	$130,000 Land $10,000 Building $120,000

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

Flood

FEMA maps place 116 Main St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1997.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	11 (1997–2018)
Claims Outside the SFHA	10 of 11
Most Recent Claim	Sep 2018 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 2 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 2 claims

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

Wildfire risk around 116 Main St 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.

Drinking Water

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

Water System	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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