192 McCowans Ferry Aly, Versailles, KY 40383 Property Records

Woodford County property record for 192 McCowans Ferry Aly, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Jan 2019)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	May 2017 Construction Loan Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-3030-024-00`

Property Details

APN / Parcel Number

Primary APN	`30-3030-024-00`
Alternative APN	`31870`

Exterior

Lot Area	4,000 sqft (0.091 acres)

Location & Zoning

Account Number	31870
Street Address	192 MCCOWANS FERRY ALY
City	VERSAILLES
State	KY
Zip	40383-8057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WOOLDRIDGE GARDENS PH 11
Legal Lot Number	286
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2011
Census Tract	50103

Owner

192 McCowans Ferry Aly is owned and occupied by an individual who acquired it in March 2024.

Source: Woodford County records, as of December 12, 2025

Owner of Record	Individual Name on File
Mailing Address	192 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
May 26, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK INC
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Jan 17, 2019	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2019 · Amount on File
Deed Sale	Jan 17, 2019 · Amount on File
Deed Document Number	201968581
Deed Book / Page	311 / 123
Last Transfer Date	Mar 28, 2024
Transfer Doc	0000247411
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	192 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M795/132
Date	May 26, 2017
Book Page	M795/132
Instrument	36939

Lender

Name	FIRST SECURITY BANK INC
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	192 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M841/362
Date	Jul 22, 2019
Book Page	M841/362
Instrument	82577

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Jan 17, 2019
Property Address	192 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Document Number	00D311/123
Book / Page	D311 / 123
Map Reference	CAB D SL 268
Instrument Date	Dec 28, 2018
Instrument	68581
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount on Record
Tax	$173.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 RAVEN CREST LANE, LEXINGTON, KY 40515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	192 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057

Mortgage

Document Number	00M831/311
Date	Jan 17, 2019
Book Page	M831/311
Instrument	68582

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	11 Months
Due	Dec 28, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 192 McCowans Ferry Aly was $1,842.

Source: Woodford County assessment roll, as of December 12, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Woodford County
Municipality	Versailles City
Unified School District	Woodford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,842.00	$250,000	$250,000
2023	$1,307.00 (-3.4%)	$173,000 (-)	$173,000 (-)
2022	$1,353.00	$173,000	$173,000

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

Flood

FEMA maps place 192 McCowans Ferry Aly in Zone X, an area of minimal flood risk, though there have been 39 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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	39 (1978–1997)
Claims Outside the SFHA	8 of 39
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 6 claims Severe Storms & Flooding, Feb 1989 · 16 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

Wildfire risk around 192 McCowans Ferry Aly 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	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	VERSAILLES WATER SYSTEM serves 17,822 people · EPA ID KY1200439
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024 Organic carbon removal Jan 2024
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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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