Woodford County property record for 132 Pandy St, Versailles, KY 40383
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,148 sqft · built 1975 |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,437 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-1012-009-00 |
| Primary APN | 30-1012-009-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,148 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Account Number | 12127 |
|---|---|
| Street Address | 132 PANDY ST |
| City | VERSAILLES |
| State | KY |
| Zip | 40383-1055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 STORY |
| Legal Subdivision | MEREWOOD |
| Legal Block | 3-D |
| Legal Lot Number | 77 |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | VERSAILLES |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 50104 |
132 Pandy St is owned and occupied by two individuals.
Source: Woodford County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 132 PANDY ST, VERSAILLES, KY 40383-1055 |
| 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.
| Date | Document |
|---|---|
| Aug 3, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Apr 10, 2018 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 105-424 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 132 PANDY ST, VERSAILLES, KY 40383-1055 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 132 PANDY ST, VERSAILLES, KY 40383-1055 |
| Document Number | 0000M972/1 |
|---|---|
| Date | Aug 3, 2023 |
| Book Page | M972/1 |
| Instrument | 205110 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jul 11, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 132 PANDY ST, VERSAILLES, KY 40383-1055 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M815/134 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | M815/134 |
| Instrument | 53031 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 230 Months |
| Due | Jun 12, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 132 Pandy St was $1,437.
Source: Woodford County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Woodford County |
| Municipality | Versailles City |
| Unified School District | Woodford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,437.00 | $155,000 | $155,000 |
| 2023 | $1,153.00 | $111,000 | $111,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 132 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 risk around 132 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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