191 Spoonamore Ln, Stanford, KY 40484 Property Records

Lincoln County property record for 191 Spoonamore Ln, Stanford, KY 40484

Property Summary

Property Type	Other Improved
Details	1,862 sqft · built 2013
Lot Size	1.88 acres (82,285 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Oct 2021)
Tax Bill	$393 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-003-04`

Property Details

APN / Parcel Number

Primary APN	`38-003-04`

Interior

Stories	1 Story
Building Area	1,862 sqft Living Area
Basement Area	1,155 sqft
Unfinished Basement	1,155 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	82,285 sqft (1.88 acres)
Terrain	Rolling
Garage Area	559 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	191 SPOONAMORE LN
City	STANFORD
State	KY
Zip	40484-9314
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RESIDENTIA
Legal Description	BRN/SILO & 1.889 AC
Legal Tract	1
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	1
Census Block	1035
Census Tract	920101

Owner

191 Spoonamore Ln is owned and occupied by two individuals who bought it in October 2021.

Source: Lincoln County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314
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

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST & FARMERS NATIONAL BANK INC
Oct 1, 2021	Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 6, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2021 · Amount on File
Deed Sale	Oct 1, 2021 · Amount on File
Deed Document Number	2021479087
Deed Book / Page	464 / 266
Prior Transfer Date	Sep 7, 2016
Prior Transfer Doc	DEED435/097
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG480/301
Date	Jun 11, 2020
Book Page	MTG 480/301
Instrument	462238

Lender

Name	FIRST & FARMERS NATIONAL BANK INC
Type	Bank
Address	SOMERSET, KY 42501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN KY
Recording Date	Oct 1, 2021
Property Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314
Document Number	DEED464/266
Book / Page	DEED 464 / 266
Map Reference	CAB E SL 203
Instrument Date	Sep 30, 2021
Instrument	479087
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314
Investor	Possibly a Property Investor

Mortgage

Document Number	0000479088
Date	Oct 1, 2021
Instrument	479088

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN KY
Recording Date	Jun 6, 2017
Property Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314
Document Number	DEED435/097
Book / Page	DEED 435 / 097
Map Reference	CAB D SL 481
Instrument Date	Sep 7, 2016
Instrument	334400
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SPOONAMORE LN, STANFORD, KY 40484-9314

Tax Assessment & Valuation

The 2025 property tax bill for 191 Spoonamore Ln was $393, down 4.1% from the year before.

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$393.00 (-4.15%)	$40,000 Land $20,000 Building $20,000	$40,000 Land $20,000 Building $20,000
2024	$410.00
2023		$40,000 Land $40,000	$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 191 Spoonamore Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 17, 2010 · 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 Claims	4 (1982–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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 191 Spoonamore Ln is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MCKINNEY WATER DISTRICT serves 5,423 people · EPA ID KY0690278
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2019
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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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