153 Spencer Ln, Mount Washington, KY 40047 Property Records

Bullitt County property record for 153 Spencer Ln, Mount Washington, KY 40047

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,203 sqft · built 2004
Lot Size	0.216 acres (9,430 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jan 2025)
Tax Bill	$1,967 (2025)
Deeds & Mortgages	Sep 2012 Mortgage Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`077-WSW-32-025`

Property Details

APN / Parcel Number

Primary APN	`077-WSW-32-025`
Alternative APNs	`439369001` `430819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,203 sqft Finished Area

Exterior

Year Built	Built 2004
Architectural Style	Split Entry
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	9,430 sqft (0.216 acres)
Lot Dimensions	115 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	430819
Old Parcel Number	439369001
Street Address	153 SPENCER LN
City	MOUNT WASHINGTON
State	KY
Zip	40047-5104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 190 SEC 2 WILCHAR EST
Legal Subdivision	WILCHAR ESTATES
Legal Lot Number	190
Jurisdiction	BULLITT KY
Township / Civil Division	MOUNT WASHINGTON
Census Block Group	1
Census Block	1017
Census Tract	20101

Owner

Source: Bullitt County records, as of January 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	153 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2012	Deed of Trust, Mortgage WELLS FARGO BANK, N.A.
Jan 24, 2025	Warranty Deed, Transfer · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2025 · Amount on Record
Deed Sale	Jan 24, 2025 · Amount on Record
Deed Document Number	777367
Deed Book / Page	D1129 / 372
Record Updated	Jun 8, 2026

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BULLITT KY
Property Address	153 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1444/700
Date	Sep 7, 2012
Book Page	M1444/700
Instrument	494991

Lender

Name	WELLS FARGO BANK, N.A.

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2042

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BULLITT KY
Recording Date	Jan 24, 2025
Property Address	153 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104
Document Number	0D1129/372
Book / Page	D1129 / 372
Map Reference	CAB 2 SL 629
Instrument Date	Jan 17, 2025
Instrument	777367
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	644 DENVER LN, BOWLING GREEN, KY 42103-6045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104

Mortgage

Document Number	0000778071
Date	Jan 24, 2025
Instrument	778071

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	SOFR Average 30-Day
Max Rate	13.7%

Tax Assessment & Valuation

Source: Bullitt County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bullitt County
Municipality	Mount Washington City
Unified School District	Bullitt County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,967.00 (-0.81%)	$156,015 (-) Building $156,015	$156,015 (-) Building $156,015
2024	$1,983.00 (+0.66%)	$156,015 (-) Building $156,015	$156,015 (-) Building $156,015
2023	$1,970.00 (-0.96%)	$156,015 (-) Building $156,015	$156,015 (-) Building $156,015
2022	$1,989.00	$156,015 Building $156,015	$156,015 Building $156,015

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 16, 2025

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.

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	MT WASHINGTON WATER COMPANY private · serves 23,760 people · EPA ID KY0150300
Water Source	Purchased surface water from LOUISVILLE WATER COMPANY
Last State Inspection	Oct 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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