1785 Gerald Dr, Lexington, KY 40511 Property Records

Lexington-Fayette Urban County property record for 1785 Gerald Dr, Lexington, KY 40511

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,000 sqft · built 1990
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$74,000 (Nov 2006)
Tax Bill	$708 (2026)
Deeds & Mortgages	Mar 2023 Second Mortgage
APN	`10044430`

Property Details

APN / Parcel Number

Primary APN	`10044430`

Interior

Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Lot Area	7,536 sqft (0.173 acres)
Lot Width	35 ft Width
Porch	Slab
Deck Area	96 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	1785 GERALD DR
City	LEXINGTON
State	KY
Zip	40511-1477
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	H-630 WINBURN LOT 10; BOOK: 2688 PAGE: 333
Legal Subdivision	WINBURN
Legal Lot Number	10
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE NORTHWEST
Census Block Group	2
Census Block	2003
Census Tract	3804

Owner

1785 Gerald Dr is owned and occupied by an individual who bought it in November 2006.

Source: Lexington-Fayette Urban County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1785 GERALD DR, LEXINGTON, KY 40511-1477
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2006 · Amount on File
Deed Sale	Nov 20, 2006 · Amount on File
Deed Document Number	200676
Deed Book / Page	2688 / 333
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	1785 GERALD DR, LEXINGTON, KY 40511-1477
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 GERALD DR, LEXINGTON, KY 40511-1477

Mortgage

Document Number	MB10620/565
Date	Mar 29, 2023
Book Page	MB 10620/565
Instrument	202303290143

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	LEXINGTON, KY 40507

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	237 Months
Due	Nov 30, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 1785 Gerald Dr was $708 with a homeowner's exemption, up 2% from the year before.

Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Municipality	Lexington-Fayette Urban County
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$708.00 (+2.02%)	$105,300 (-)	$105,300 (-)
2025	$694.00 Homeowner's exemption	$105,300	$105,300
2023	$1,302.00	$105,300	$105,300

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

Flood

FEMA has no flood map on file for 1785 Gerald Dr; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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 1785 Gerald Dr is low, with less than 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 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Windstream.

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