117 Pandy St, Versailles, KY 40383 Property Records

Woodford County property record for 117 Pandy St, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1975
Lot Size	0.27 acres (11,700 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Apr 2026)
Tax Bill	$1,481 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-1010-017-00`

Property Details

APN / Parcel Number

Primary APN	`30-1010-017-00`
Alternative APNs	`27659` `35012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Lot Area	11,700 sqft (0.27 acres)
Lot Dimensions	90 ft deep x 130 ft wide
Driveway	Asphalt Driveway

Location & Zoning

Account Number	35012
Street Address	117 PANDY ST
City	VERSAILLES
State	KY
Zip	40383-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 STORY
Legal Subdivision	MEREWOOD
Legal Block	3-D
Legal Lot Number	90
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2009
Census Tract	50104

Owner

117 Pandy St is owned by an individual who bought it in April 2026.

Source: Woodford County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	2723 VERA CRUZ DR, VILLA HILLS, KY 41017-1070
Owner Type	Individual
Vesting	Unmarried Man

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

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS COMMERCE BANK
Apr 14, 2026	Deed, Transfer · FHA Mortgage PRIMECAP LENDING LLC
Sep 23, 2022	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 28, 2014	Deed, Transfer · Conventional Mortgage CITIZENS COMMERCE NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2026 · Amount on File
Deed Sale	Apr 14, 2026 · Amount on File
Prior Sale	Sep 23, 2022 · Amount on File
Deed Document Number	2026294066
Deed Book / Page	358 / 70
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	117 PANDY ST, VERSAILLES, KY 40383-1053
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 PANDY ST, VERSAILLES, KY 40383-1053

Mortgage

Document Number	00M937/233
Date	Jan 19, 2022
Book Page	M937/233
Instrument	127312

Lender

Name	CITIZENS COMMERCE BANK
Type	Bank
Address	VERSAILLES, KY 40383

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2052

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Apr 14, 2026
Property Address	117 PANDY ST, VERSAILLES, KY 40383-1053
Document Number	0000294066
Book / Page	358 / 70
Instrument Date	Apr 13, 2026
Instrument	2026.294066
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,715.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2723 VERA CRUZ DR, VILLA HILLS, KY 41017-1070

Mortgage

Document Number	0000294066,
Date	Apr 14, 2026
Book Page	1026/419
Instrument	2026.294066

Lender

Name	PRIMECAP LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Sep 23, 2022
Property Address	117 PANDY ST, VERSAILLES, KY 40383-1053
Document Number	00D336/416
Book / Page	D336 / 416
Map Reference	CAB A SL 82
Instrument Date	Sep 6, 2022
Instrument	156688
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 HICKORY DR, 248, FRANKFORT, KY 40601-3004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 PANDY ST, VERSAILLES, KY 40383-1053

Mortgage

Document Number	0000156693
Date	Sep 23, 2022
Instrument	156693

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

August 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Aug 28, 2014
Property Address	117 PANDY ST, VERSAILLES, KY 40383-1053
Document Number	283/04
Book / Page	283 / 04
Instrument Date	Aug 26, 2014
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 HELMS DEEP, 328, VERSAILLES, KY 40383-2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 PANDY ST, VERSAILLES, KY 40383-1053
Mail Care Of	RONNDA FANNIN

Mortgage

Document Number	000733/295
Date	Aug 28, 2014
Book Page	733/295

Lender

Name	CITIZENS COMMERCE NATIONAL BANK
Address	VERSAILLES, KY 40383

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 117 Pandy St was $1,481.

Source: Woodford County assessment roll, as of December 12, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Woodford County
Municipality	Versailles City
Unified School District	Woodford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,481.00	$160,000	$160,000
2023	$1,635.00	$160,000	$160,000

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

Flood

FEMA maps place 117 Pandy St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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
Nearby Flood Claims	2 (1978–1984)
Most Recent Claim	May 1984 · tidal / storm surge

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 117 Pandy 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	NE WOODFORD CO WATER DISTRICT serves 2,644 people · EPA ID KY1200310
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	2 ppb (2021–2023) 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 312 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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