197 Ashby Ln, Custer, KY 40115 Property Records

Breckinridge County property record for 197 Ashby Ln, Custer, KY 40115

Property Summary

Property Type	Rural Home
Lot Size	20.7 acres (905,177 sqft)
Owner	2 Individual Names on Record
Last Sale	$549,000 (Aug 2025)
Tax Bill	$3,128 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2024 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`146-10D-4`

Property Details

APN / Parcel Number

Primary APN	`146-10D-4`
Alternative APN	`24057`

Exterior

Lot Area	905,177 sqft (20.7 acres)

Location & Zoning

Account Number	24057
Street Address	197 ASHBY LN
City	CUSTER
State	KY
Zip	40115-5082
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ASHBY FARM PT 10 + HOUSEGARAGE & BLDG
Legal Subdivision	MARSHALL ASHBY FARM II
Legal Lot Number	PT,10
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	MCDANIELS-HUDSON
Census Block Group	1
Census Block	1015
Census Tract	960501

Owner

Source: Breckinridge County records, as of June 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	325 MADISON AVE, BRANDENBURG, KY 40108-6309
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Closed-End Mortgage FIRST STATE BANK
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Feb 9, 2022	Deed of Trust, Mortgage · Closed-End Mortgage FIRST STATE BANK
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Jun 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jun 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2025 · Amount on Record
Deed Sale	Aug 12, 2025 · Amount on Record
Prior Sale	Feb 9, 2024 · Amount on Record
Deed Document Number	2025943532
Deed Book / Page	476 / 195
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ASHBY LN, CUSTER, KY 40115-5082

Mortgage

Document Number	000M559/93
Date	Mar 20, 2024
Book Page	M559/93
Instrument	2020925271

Lender

Name	FIRST STATE BANK
Type	Bank
Address	240 N 1ST ST, IRVINGTON, KY 40146

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 9, 2025

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ASHBY LN, CUSTER, KY 40115-5082

Mortgage

Document Number	00M557/328
Date	Feb 2, 2024
Book Page	M557/328
Instrument	2020923963

Lender

Name	FIRST STATE BANK
Type	Bank
Address	PO BOX 365, IRVINGTON, KY 40146

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2025

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ASHBY LN, CUSTER, KY 40115-5082

Mortgage

Document Number	00M520/331
Date	Feb 9, 2022
Book Page	M520/331
Instrument	2020906438

Lender

Name	FIRST STATE BANK
Type	Bank
Address	IRVINGTON, KY 40146

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	232 Months
Due	Jun 2, 2041

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ASHBY LN, CUSTER, KY 40115-5082

Mortgage

Document Number	00M520/320
Date	Feb 9, 2022
Book Page	M520/320
Instrument	2020906437

Lender

Name	FIRST STATE BANK
Type	Bank
Address	IRVINGTON, KY 40146

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 2, 2042

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000453/230
Date	Jun 12, 2018
Book Page	453/230
Instrument	2018002945

Lender

Name	FIRST STATE BANK
Type	Bank
Address	IRVINGTON, KY 40146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 2, 2043

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000453/240
Date	Jun 12, 2018
Book Page	453/240
Instrument	2018002946

Lender

Name	FIRST STATE BANK
Type	Bank
Address	IRVINGTON, KY 40146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 2, 2043

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	197 ASHBY LN, CUSTER, KY 40115-5082
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 ASHBY LN, CUSTER, KY 40115-5082

Mortgage

Document Number	00M531/722
Date	Aug 15, 2022
Book Page	M531/722
Instrument	2020909366

Lender

Name	FIRST STATE BANK
Type	Bank
Address	IRVINGTON, KY 40146

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	Jul 1, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Breckinridge County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,128.00 (+2.12%)	$326,850 (-) Land $4,850 Building $322,000	$351,100 (-) Land $29,100 Building $322,000
2023	$3,063.00 (-0.71%)	$326,850 (-) Land $4,850 Building $322,000	$351,100 (-) Land $29,100 Building $322,000
2022	$3,085.00	$326,850 Land $4,850 Building $322,000	$351,100 Land $29,100 Building $322,000

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 May 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

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)
Brandenburg Telecom Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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