1331 E Marks Ridge Rd, Garfield, KY 40140 Property Records

Breckinridge County property record for 1331 E Marks Ridge Rd, Garfield, KY 40140

Property Summary

Property Type	Rural Home
Lot Size	13 acres (567,151 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (May 2019)
Tax Bill	$2,375 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`128-3-1`

Property Details

APN / Parcel Number

Primary APN	`128-3-1`
Alternative APN	`30350`

Exterior

Lot Area	567,151 sqft (13 acres)

Location & Zoning

Account Number	30350
Street Address	1331 E MARKS RIDGE RD
City	GARFIELD
State	KY
Zip	40140-5244
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FARM & HOUSE & BLDGS
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	MCDANIELS-HUDSON
Census Block Group	1
Census Block	1030
Census Tract	960501

Owner

1331 E Marks Ridge Rd, a rural home, is owned and occupied by an individual who bought it in May 2019.

Source: Breckinridge County records, as of November 19, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
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
Mar 25, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 25, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit FORT KNOX FCU
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 20, 2019	Deed, Transfer · VA Mortgage EVANSVILLE TEACHERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Deed Document Number	2019002671
Deed Book / Page	419 / 185
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M522/608
Date	Mar 25, 2022
Book Page	M522/608
Instrument	2020907093

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Sep 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M522/606
Date	Mar 25, 2022
Book Page	M522/606
Instrument	2020907093

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
Transaction Type	Mortgage
Record Updated	Sep 9, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	499/294
Date	Mar 9, 2021
Book Page	499/294
Instrument	2020901455

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	443/268
Date	Aug 21, 2017
Book Page	443/268
Instrument	2017005214

Lender

Name	FORT KNOX FCU
Type	Credit Union
Address	RADCLIFF, KY 40159

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jul 29, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	477/634
Date	Feb 28, 2020
Book Page	477/634
Instrument	2020001043

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jul 1, 2049

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	May 20, 2019
Property Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244
Document Number	419/185
Book / Page	419 / 185
Instrument Date	May 10, 2019
Instrument	2019002671
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 SALT RIVER RD, 413, LEITCHFIELD, KY 42754-1637

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1331 E MARKS RIDGE RD, GARFIELD, KY 40140-5244

Mortgage

Document Number	2019002672
Date	May 20, 2019
Instrument	2019002672

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1331 E Marks Ridge Rd was $2,375.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Breckinridge County
Unified School District	Breckinridge County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,375.00	$247,150 Land $2,150 Building $245,000	$295,000 Land $50,000 Building $245,000
2023	$2,326.00 (-0.68%)	$247,150 (-) Land $2,150 Building $245,000	$295,000 (-) Land $50,000 Building $245,000
2022	$2,342.00	$247,150 Land $2,150 Building $245,000	$295,000 Land $50,000 Building $245,000

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

Flood

FEMA maps place 1331 E Marks Ridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · 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 Policies	3 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

Wildfire risk around 1331 E Marks Ridge Rd 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	Direct burnable vegetation

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	HARDINSBURG RO WTP serves 18,437 people · EPA ID KY0140966
Water Source	Groundwater
Last State Inspection	Mar 2024
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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brandenburg Telecom Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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