191 Joyce Ln, Butler, KY 41006 Property Records

Pendleton County property record for 191 Joyce Ln, Butler, KY 41006

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,322 sqft · built 2014
Lot Size	13.9 acres (606,704 sqft)
Owner	Individual Name on Record
Last Sale	$318,500 (Mar 2017)
Tax Bill	$4,159 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`029-00-00-012.02`

Property Details

APN / Parcel Number

Primary APN	`029-00-00-012.02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,322 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	606,704 sqft (13.9 acres)
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces
Deck Area	185 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	191 JOYCE LN
City	BUTLER
State	KY
Zip	41006-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13.9275 ACRES & HOUSE & METAL BLDG
Jurisdiction	PENDLETON KY
Township / Civil Division	BUTLER
Census Block Group	1
Census Block	1021
Census Tract	930102

Owner

Source: Pendleton County records, as of October 20, 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	191 JOYCE LN, BUTLER, KY 41006-1503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Mar 16, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on Record
Deed Sale	Mar 16, 2017 · Amount on Record
Prior Sale	Feb 28, 2014
Deed Document Number	121376
Deed Book / Page	340 / 743
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDLETON KY
Property Address	191 JOYCE LN, BUTLER, KY 41006-1503
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000426/1
Date	May 10, 2023
Book Page	426/1
Instrument	580955

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Max Rate	13.2%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDLETON KY
Property Address	191 JOYCE LN, BUTLER, KY 41006-1503
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M403/271
Date	Mar 19, 2021
Book Page	M403/271
Instrument	555545

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDLETON KY
Property Address	191 JOYCE LN, BUTLER, KY 41006-1503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M396/273
Date	Jul 29, 2020
Book Page	M396/273
Instrument	523869

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDLETON KY
Property Address	191 JOYCE LN, BUTLER, KY 41006-1503
Transaction Type	Mortgage
Record Updated	May 21, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M393/396
Date	Apr 30, 2020
Book Page	M393/396
Instrument	523311

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDLETON KY
Recording Date	Mar 16, 2017
Property Address	191 JOYCE LN, BUTLER, KY 41006-1503
Document Number	000340/743
Book / Page	340 / 743
Instrument Date	Mar 10, 2017
Instrument	121376
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12106 RIGGS RD, 12106, INDEPENDENCE, KY 41051-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 JOYCE LN, BUTLER, KY 41006-1503

Mortgage

Document Number	0000121377
Date	Mar 16, 2017
Instrument	121377

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,159.00 (+19.48%)	$334,650 (+23.99%)	$334,650 (+23.99%)
2023	$3,481.00	$269,900	$269,900

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 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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	4 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 3 claims

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	PENDLETON CO WATER DISTRICT #1 / NORTH serves 1,485 people · EPA ID KY0960348
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: altafiber Network Solutions.

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