Pendleton County property record for 148 Ruby Ridge Dr, Williamstown, KY 41097
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 636 sqft · built 1995 |
| Lot Size | 14.3 acres (625,173 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $406 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-00-00-002.04 |
| Primary APN | 014-00-00-002.04 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 636 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 625,173 sqft (14.3 acres) |
| Garage Type | Detached |
| Driveway | Gravel Driveway |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 148 RUBY RIDGE DR |
|---|---|
| City | WILLIAMSTOWN |
| State | KY |
| Zip | 41097-4301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 14.3518 ACRES & HOUSE & MH |
| Jurisdiction | PENDLETON KY |
| Township / Civil Division | GOFORTH-LOCUST GROVE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 930200 |
Source: Pendleton County records, as of October 21, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 148 RUBY RIDGE DR, WILLIAMSTOWN, KY 41097-4301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 148 RUBY RIDGE DR, WILLIAMSTOWN, KY 41097-4301 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | M410/689 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | M410/689 |
| Instrument | 577262 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
Source: Pendleton County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Pendleton County |
| Unified School District | Pendleton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $406.00 (+134.68%) Homeowner's exemption | $81,800 (+36.79%) | $81,800 (+36.79%) |
| 2023 | $173.00 Homeowner's exemption | $59,800 | $59,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 18, 2013
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PENDLETON CO WATER DISTRICT #1 / NORTH serves 1,485 people · EPA ID KY0960348 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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