196 McCowans Ferry Aly, Versailles, KY 40383 Property Records

Woodford County property record for 196 McCowans Ferry Aly, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$170,000 (Nov 2019)
Tax Bill	$2,276 (2025)
Deeds & Mortgages	May 2017 Construction Loan Nov 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-3030-025-00`

Property Details

APN / Parcel Number

Primary APN	`30-3030-025-00`
Alternative APN	`32556`

Location & Zoning

Account Number	32556
Street Address	196 MCCOWANS FERRY ALY
City	VERSAILLES
State	KY
Zip	40383-8057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:287 SEC:1B-1 SUBD:WOOLDRIDGE GARDENS PH 11 MAP REF:D-268
Legal Subdivision	WOOLDRIDGE GARDENS PH 11
Legal Lot Number	287
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2011
Census Tract	50103

Owner

196 McCowans Ferry Aly is owned and occupied by an individual who bought it in November 2019.

Source: Woodford County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	196 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
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
May 26, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK INC
Nov 6, 2019	Deed, Transfer · Line of Credit US BANK NA
Feb 20, 2018	Deed, Transfer · Line of Credit UNITED BANK & CAPITAL TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Feb 20, 2018 · Amount on File
Deed Document Number	85514
Deed Book / Page	D316 / 278
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	196 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Transaction Type	Mortgage
Record Updated	Feb 28, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M795/120
Date	May 26, 2017
Book Page	M795/120
Instrument	36938

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

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Nov 6, 2019
Property Address	196 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Document Number	00D316/278
Book / Page	D316 / 278
Map Reference	CAB D SL 268
Instrument Date	Oct 4, 2019
Instrument	85514
Transaction Type	Transfer
Record Updated	Feb 28, 2023
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1952 CLEARWATER DR, LAWRENCEBURG, KY 40342-9178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	196 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057

Mortgage

Document Number	0000085515
Date	Nov 6, 2019
Instrument	85515

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Mortgage

Document Number	00M850/356
Date	Nov 6, 2019
Book Page	M850/356
Instrument	85535

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	OWENSBORO, KY 42301

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Feb 20, 2018
Property Address	196 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Document Number	00D305/457
Book / Page	D305 / 457
Map Reference	CAB D SL 268
Instrument Date	Feb 16, 2018
Instrument	50032
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4300 RAVENS CREST LN, LEXINGTON, KY 40515-8552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 MCCOWANS FERRY ALY, VERSAILLES, KY 40383-8057
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050033
Date	Feb 20, 2018
Instrument	50033

Lender

Name	UNITED BANK & CAPITAL TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 196 McCowans Ferry Aly was $2,276.

Source: Woodford County assessment roll, as of April 1, 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	$2,276.00	$250,000	$250,000
2023	$1,733.00	$170,000	$170,000

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

Flood

FEMA maps place 196 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 196 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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