195 Circle Dr, Barlow, KY 42024 Property Records

Ballard County property record for 195 Circle Dr, Barlow, KY 42024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 1972
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2025)
Tax Bill	$577 (2025)
Deeds & Mortgages	Jun 2016 Line of Credit Jul 2005 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-38A-08`

Property Details

APN / Parcel Number

Primary APN	`22-38A-08`
Alternative APN	`6212`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,720 sqft Living Area

Exterior

Year Built	Built 1972
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	195 CIRCLE DR
City	BARLOW
State	KY
Zip	42024-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	BALLARD KY
Township / Civil Division	BARLOW
Census Block Group	1
Census Block	1073
Census Tract	950200

Owner

195 Circle Dr is owned and occupied by an individual who bought it in June 2025.

Source: Ballard County records, as of November 12, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	195 CIRCLE DR, BARLOW, KY 42024-9610
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 9, 2016	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC
Jul 12, 2005	Deed of Trust, Mortgage CITIFINANCIAL SERVICES INC
Mar 22, 2005	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVESTORS CORP
Jun 3, 2025	Deed, Transfer · FHA Mortgage NFM INC
May 2, 2016	Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2025 · Amount on File
Deed Sale	Jun 3, 2025 · Amount on File
Deed Document Number	000140/292
Deed Book / Page	140 / 292
Record Updated	Sep 20, 2026

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	195 CIRCLE DR, BARLOW, KY 42024-9610
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000084/261
Date	Jun 9, 2016
Book Page	084/261

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	195 CIRCLE DR, BARLOW, KY 42024-9610
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG008/526
Date	Jul 12, 2005
Book Page	MTG 008/526
Instrument	202928

Lender

Name	CITIFINANCIAL SERVICES INC
Type	Subprime Lender
Address	PADUCAH, KY 42001

Agreement

Amount	Amount on Record
Term	181 Months
Due	Aug 13, 2020

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	195 CIRCLE DR, BARLOW, KY 42024-9610
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG005/529
Date	Mar 22, 2005
Book Page	MTG 005/529
Instrument	202021

Lender

Name	MORTGAGE INVESTORS CORP
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2035

Interest

Rate Type	Fixed Rate
Rate	4.5%
Type Change Date	Jul 1, 2008
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Margin	2
Max Rate	5%

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BALLARD KY
Recording Date	Jun 3, 2025
Property Address	195 CIRCLE DR, BARLOW, KY 42024-9610
Document Number	000140/292
Book / Page	140 / 292
Map Reference	MB C PG 11
Instrument Date	May 27, 2025
Instrument	538534
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	SOURCEPOINT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2742 LA CENTER RD, LA CENTER, KY 42056-9548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 CIRCLE DR, BARLOW, KY 42024-9610

Mortgage

Document Number	0000538535
Date	Jun 3, 2025
Instrument	538535

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2055

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALLARD KY
Recording Date	May 2, 2016
Property Address	195 CIRCLE DR, BARLOW, KY 42024-9610
Document Number	000110/254
Book / Page	110 / 254
Map Reference	MB C PG 11
Instrument Date	Apr 28, 2016
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	KENTUCKIANA TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 65, BARLOW, KY 42024-0065

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	195 CIRCLE DR, BARLOW, KY 42024-9610

Mortgage

Document Number	0000083360
Date	May 2, 2016
Instrument	083/360

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 195 Circle Dr was $577.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Ballard County
Municipality	Barlow City
Unified School District	Ballard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$577.00	$57,000	$57,000
2023	$587.00 Additional exemption filed	$57,000	$57,000

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 195 Circle Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective July 7, 2014 · 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	3 in force
Nearby Flood Claims	2 (1997–2011)
Most Recent Claim	May 2011 · Severe Storms, Tornadoes, And 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.

Wildfire

Wildfire risk around 195 Circle Dr 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	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	BARLOW WATER SYSTEM serves 1,040 people · EPA ID KY0040020
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ballard Rural Telephone Cooperative Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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