Woodford County property record for 148 Pandy St, Versailles, KY 40383
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,326 sqft · built 1979 |
| Owner | Individual Name on File |
| Last Sale | $208,000 (Aug 2021) |
| Tax Bill | $2,093 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Nov 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-1011-006-00 |
| Primary APN | 30-1011-006-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,326 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Account Number | 33976 |
|---|---|
| Street Address | 148 PANDY ST |
| City | VERSAILLES |
| State | KY |
| Zip | 40383-1052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 STORY |
| Legal Subdivision | MEREWOOD |
| Legal Block | 4-A |
| Legal Lot Number | 64 |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | VERSAILLES |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 50104 |
148 Pandy St is owned and occupied by an individual who bought it in August 2021.
Source: Woodford County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 148 PANDY ST, VERSAILLES, KY 40383-1052 |
| 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 18, 2021 | Deed, Transfer · USDA Mortgage PRIME MORTGAGE LENDING INC |
| Nov 16, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS COMMERCE NATIONAL BANK |
| Jan 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage L&N FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2021 · Amount on File |
| Deed Sale | Aug 18, 2021 · Amount on File |
| Prior Sale | Jan 31, 2018 · Amount on File |
| Deed Document Number | 106264 |
| Deed Book / Page | D328 / 312 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Aug 18, 2021 |
| Property Address | 148 PANDY ST, VERSAILLES, KY 40383-1052 |
| Document Number | D328/312 |
| Book / Page | D328 / 312 |
| Map Reference | CAB A SL 210 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 106264 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $208.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6903 OUTER LOOP, 6903, LOUISVILLE, KY 40228-1825 |
| Name | Verified Name |
|---|---|
| Address | 148 PANDY ST, VERSAILLES, KY 40383-1052 |
| Document Number | 106265 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 106265 |
| Name | PRIME MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 148 PANDY ST, VERSAILLES, KY 40383-1052 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | M806/470 |
|---|---|
| Date | Nov 16, 2017 |
| Book Page | M806/470 |
| Instrument | 45136 |
| Name | CITIZENS COMMERCE NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 4, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Jan 31, 2018 |
| Property Address | 148 PANDY ST, VERSAILLES, KY 40383-1052 |
| Document Number | D305/258 |
| Book / Page | D305 / 258 |
| Map Reference | CAB A SL 210 |
| Instrument Date | Jan 26, 2018 |
| Instrument | 48985 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $133.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 148 PANDY ST, 148, VERSAILLES, KY 40383-1052 |
| Name | Verified Name |
|---|---|
| Address | 148 PANDY ST, VERSAILLES, KY 40383-1052 |
| Document Number | 48986 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 48986 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
The 2025 property tax bill for 148 Pandy St was $2,093.
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 | $2,093.00 | $229,300 | $229,300 |
| 2023 | $2,107.00 | $208,000 | $208,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 148 Pandy St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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 | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2013 · other causes |
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 148 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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