Pendleton County property record for 169 Old Stepstone Rd, California, KY 41007
| Property Type | Single Family Home |
|---|---|
| Details | 1,243 sqft |
| Lot Size | 58.1 acres (2,530,836 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Jun 2013) |
| Tax Bill | $2,813 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-00-00-029.00 |
| Primary APN | 055-00-00-029.00 |
|---|
| Building Area | 1,243 sqft Living Area |
|---|
| Exterior Material | Wood |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 2,530,836 sqft (58.1 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 169 OLD STEPSTONE RD |
|---|---|
| City | CALIFORNIA |
| State | KY |
| Zip | 41007-8944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 58.1001 AC & HOUSE & GARAGE & BARN |
| Jurisdiction | PENDLETON KY |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 930101 |
Source: Pendleton County records, as of March 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 169 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Jan 4, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK FSB |
| Dec 28, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2013 · Amount on Record |
| Deed Sale | Jun 5, 2013 · Amount on Record |
| Deed Document Number | 2013101685 |
| Deed Book / Page | 319 / 90 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 169 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8944 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Title Company | OLD TOWN TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 169 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8944 |
| Document Number | 000451/208 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 451/208 |
| Instrument | 649367 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 169 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8944 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 00M389/201 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | M389/201 |
| Instrument | 522262 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Nov 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 169 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8944 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 00M400/709 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | M400/709 |
| Instrument | 535027 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 169 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8944 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 000413/249 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 413/249 |
| Instrument | 577893 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Jan 1, 2037 |
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 | $2,813.00 (+33.63%) | $209,500 (+38.28%) | $209,500 (+38.28%) |
| 2023 | $2,105.00 | $151,500 | $151,500 |
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 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 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.
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 | EAST PENDLETON WATER DISTRICT serves 5,515 people · EPA ID KY0960112 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2016 |
|---|---|
| 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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