198 Spencer Ln, Mount Washington, KY 40047 Property Records

Bullitt County property record for 198 Spencer Ln, Mount Washington, KY 40047

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,342 sqft · built 2004
Lot Size	0.322 acres (14,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,500 (May 2020)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`077-WSW-33-017`

Property Details

APN / Parcel Number

Primary APN	`077-WSW-33-017`
Alternative APNs	`199045001` `426562`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,342 sqft Finished Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Split Foyer
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,007 sqft (0.322 acres)
Lot Dimensions	161 ft deep x 87 ft wide
Porch	Porch
Porch Area	90 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	426562
Street Address	198 SPENCER LN
City	MOUNT WASHINGTON
State	KY
Zip	40047-5104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 199 SEC 2 WILCHAR EST
Legal Subdivision	WILCHAR ESTATES
Legal Lot Number	199
Jurisdiction	BULLITT KY
Township / Civil Division	MOUNT WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	20101

Owner

Source: Bullitt County records, as of October 21, 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	198 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Jun 26, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on Record
Deed Sale	May 5, 2020 · Amount on Record
Deed Book / Page	995 / 216
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BULLITT KY
Recording Date	Jun 29, 2026
Property Address	198 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104
Document Number	0001938211
Book / Page	2314 / 682
Instrument Date	Jun 16, 2026
Instrument	20261938211
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	198 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104

Mortgage

Document Number	0001938211,
Date	Jun 29, 2026
Book Page	2314/682
Instrument	20261938211

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BULLITT KY
Property Address	198 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 SPENCER LN, MOUNT WASHINGTON, KY 40047-5104

Mortgage

Document Number	0M2257/595
Date	Jun 26, 2025
Book Page	M2257/595
Instrument	802226

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

Source: Bullitt County assessment roll, as of January 30, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Bullitt County
Municipality	Mount Washington City
Unified School District	Bullitt County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,530.00 (-0.16%)	$201,500 (-) Building $201,500	$201,500 (-) Building $201,500
2023	$2,534.00 (-0.94%)	$201,500 (-) Building $201,500	$201,500 (-) Building $201,500
2022	$2,558.00	$201,500 Building $201,500	$201,500 Building $201,500

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 October 16, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	MT WASHINGTON WATER COMPANY private · serves 23,760 people · EPA ID KY0150300
Water Source	Purchased surface water from LOUISVILLE WATER COMPANY
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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