124 McCowans Ferry Aly, Versailles, KY 40383 Property Records

Woodford County property record for 124 McCowans Ferry Aly, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2025)
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-3030-007-00`

Property Details

APN / Parcel Number

Primary APN	`30-3030-007-00`
Alternative APN	`33244`

Location & Zoning

Account Number	33244
Street Address	124 MCCOWANS FERRY ALY
City	VERSAILLES
State	KY
Zip	40383-8057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:269 SEC:1B-1 SUBD:WOOLDRIDGE GARDENS PH 11 MAP REF:D-268
Legal Subdivision	WOOLDRIDGE GARDENS PH 11
Legal Lot Number	269
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2011
Census Tract	50103

Owner

124 McCowans Ferry Aly is owned and occupied by an individual who bought it in August 2025.

Source: Woodford County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	124 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
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

Date	Document
Sep 30, 2020	Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Sep 26, 2017	Deed, Transfer · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Sep 30, 2020 · Amount on File
Deed Document Number	282059
Deed Book / Page	D354 / 630
Record Updated	Jun 8, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Sep 30, 2020
Property Address	124 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Document Number	D322/184
Book / Page	D322 / 184
Map Reference	CAB D SL 268
Instrument Date	Sep 11, 2020
Instrument	92646
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 TINON DR, 303, VERSAILLES, KY 40383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057

Mortgage

Document Number	92647
Date	Sep 30, 2020
Instrument	92647

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Sep 26, 2017
Property Address	124 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Document Number	D302/635
Book / Page	D302 / 635
Map Reference	CAB D SL 268
Instrument Date	Sep 25, 2017
Instrument	42834
Transaction Type	Transfer
Record Updated	Nov 30, 2021
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	$192.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	532 MARSAILLES RD, 532, VERSAILLES, KY 40383-1603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057

Mortgage

Document Number	42836
Date	Sep 26, 2017
Instrument	42836

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 124 McCowans Ferry Aly was $2,144.

Source: Woodford County assessment roll, as of April 1, 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	$2,144.00	$235,000	$235,000
2023	$1,999.00	$197,000	$197,000

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

Flood

FEMA maps place 124 McCowans Ferry Aly in Zone X, an area of minimal flood risk, though there have been 39 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	39 (1978–1997)
Claims Outside the SFHA	8 of 39
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 6 claims Severe Storms & Flooding, Feb 1989 · 16 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 124 McCowans Ferry Aly 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	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	VERSAILLES WATER SYSTEM serves 17,822 people · EPA ID KY1200439
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024 Organic carbon removal Jan 2024
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 367 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	1,000 / 1,000

May also be available: Verizon.

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