Bourbon County property record for 18 Spears St, Paris, KY 40361
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 928 sqft · built 1964 |
| Owner | Individual Name on Record |
| Last Sale | $25,000 (Apr 2009) |
| Tax Bill | $170 (2025) |
| Deeds & Mortgages | Jun 2023 Construction Loan Nov 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-70-01-010.00 |
| Primary APN | 026-70-01-010.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 928 sqft Living Area |
| Year Built | Built 1964 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Heating System | Gas |
|---|
| Street Address | 18 SPEARS ST |
|---|---|
| City | PARIS |
| State | KY |
| Zip | 40361-1530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L - 18 SPEARS ST |
| Jurisdiction | BOURBON KY |
| Township / Civil Division | PARIS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 30101 |
Source: Bourbon County records, as of December 17, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 120 QUINTON CT STE 103, 103, LEXINGTON, KY 40509-1321 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2023 | Deed of Trust, Mortgage · Construction Mortgage TREETOP CAPITAL LLC |
| Nov 6, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Nov 13, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2009 · Amount on Record |
| Deed Sale | Apr 17, 2009 · Amount on Record |
| Deed Document Number | 91869 |
| Deed Book / Page | 278 / 078 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOURBON KY |
| Property Address | 18 SPEARS ST, PARIS, KY 40361-1530 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00000720/1 |
|---|---|
| Date | Jun 9, 2023 |
| Book Page | 720/1 |
| Instrument | 800682 |
| Name | TREETOP CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | NICHOLASVILLE, KY 40356 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Nov 25, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOURBON KY |
| Property Address | 18 SPEARS ST, PARIS, KY 40361-1530 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000725/612 |
|---|---|
| Date | Nov 6, 2023 |
| Book Page | 725/612 |
| Instrument | 802541 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Oct 27, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOURBON KY |
| Property Address | 18 SPEARS ST, PARIS, KY 40361-1530 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000726/30 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 726/30 |
| Instrument | 802612 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Bourbon County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Bourbon County |
| Municipality | Paris City |
| Unified School District | Paris Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $170.00 (-30.61%) | $51,100 (-27%) Land $5,000 Building $46,100 | $51,100 (-27%) Land $5,000 Building $46,100 |
| 2023 | $245.00 | $70,000 Land $5,000 Building $65,000 | $70,000 Land $5,000 Building $65,000 |
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 February 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2008–2020) |
| Most Recent Claim | May 2020 · river or lake flooding |
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 94% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PARIS WATER WORKS serves 14,139 people · EPA ID KY0090343 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | Turbidity resolved · Mar 2025 Haloacetic acids resolved · Jan 2020 |
|---|---|
| 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 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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