1805 Mitchell Ln, Mount Eden, KY 40046 Property Records

Spencer County property record for 1805 Mitchell Ln, Mount Eden, KY 40046

Property Summary

Property Type	Single Family Home
Lot Size	3.51 acres (152,896 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,589 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-03-03-01`

Property Details

APN / Parcel Number

Primary APN	`53-03-03-01`
Alternative APNs	`278871` `27887`

Exterior

Lot Area	152,896 sqft (3.51 acres)

Location & Zoning

Account Number	278871
Street Address	1805 MITCHELL LN
City	MOUNT EDEN
State	KY
Zip	40046-7048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERNDON DIV/3.51 ACS
Legal Subdivision	HERNDON DIV
Jurisdiction	SPENCER KY
Township / Civil Division	TAYLORSVILLE
Census Block Group	3
Census Block	3002
Census Tract	80200

Owner

Source: Spencer County records, as of January 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	1805 MITCHELL LN, MOUNT EDEN, KY 40046-7048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Dec 19, 2018	Deed of Trust, Mortgage · ARM L&N FCU
Dec 17, 2018	Deed of Trust, Mortgage · ARM L&N FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER KY
Property Address	1805 MITCHELL LN, MOUNT EDEN, KY 40046-7048
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	EASY TITLE COMPANY LLC, LEGACY TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	573/149
Date	Sep 16, 2021
Book Page	573/149
Instrument	225645

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER KY
Property Address	1805 MITCHELL LN, MOUNT EDEN, KY 40046-7048
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	EASY TITLE COMPANY LLC, LEGACY TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	499/710
Date	Dec 19, 2018
Book Page	499/710
Instrument	209778

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	ARM
Amount	Amount Recorded
Term	370 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2034
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11%
Index	Other
Max Rate	11%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER KY
Property Address	1805 MITCHELL LN, MOUNT EDEN, KY 40046-7048
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	EASY TITLE COMPANY LLC, LEGACY TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	499/710
Date	Dec 17, 2018
Book Page	499/710
Instrument	209778

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	ARM
Amount	Amount Recorded
Term	370 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2034
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11%
Index	Other
Max Rate	11%

Tax Assessment & Valuation

Source: Spencer County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Spencer County
Unified School District	Spencer County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,589.00 (-1.21%)	$370,000 (-) Land $20,000 Building $350,000	$370,000 (-)
2023	$3,633.00	$370,000 Land $20,000 Building $350,000	$370,000

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 15, 2025 · 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
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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	US 60 WATER DISTRICT serves 7,892 people · EPA ID KY1060436
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 ppb (2021–2023) 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bluegrass Fiber Fixed Wireless	250 / 50

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mitchell Ln

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