207 Cold Spring Dr, Stanford, KY 40484 Property Records

Lincoln County property record for 207 Cold Spring Dr, Stanford, KY 40484

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,776 sqft · built 1996
Lot Size	0.422 acres (18,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Mar 2021)
Tax Bill	$1,835 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-12-19-005.00`

Property Details

APN / Parcel Number

Primary APN	`051-12-19-005.00`
Alternative APN	`51A-009-52`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,776 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,382 sqft (0.422 acres)
Garage Type	Attached
Garage Area	648 sqft
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	207 COLD SPRING DR
City	STANFORD
State	KY
Zip	40484-8492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & LOT 52 (.422 ACS)UN 6 BL F
Legal Subdivision	DIX RIVER ESTATES SUBDIVISION
Legal Block	F
Legal Lot Number	52
Legal Unit	6
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	2
Census Block	2014
Census Tract	920103

Owner

Source: Lincoln County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	207 COLD SPRING DR, STANFORD, KY 40484-8492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK
Mar 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION SAVINGS BANK
Jan 29, 2020	Deed, Transfer · Line of Credit THE FARMERS NATIONAL BANK OF DANVIL
Mar 13, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 14, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2021 · Amount on Record
Deed Sale	Mar 16, 2021 · Amount on Record
Prior Sale	Jan 29, 2020 · Amount on Record
Deed Document Number	2021465991
Deed Book / Page	459 / 412
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	207 COLD SPRING DR, STANFORD, KY 40484-8492
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG465/639
Date	Mar 28, 2019
Book Page	MTG 465/639
Instrument	342122

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	STANFORD, KY 40484

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 26, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN KY
Recording Date	Mar 16, 2021
Property Address	207 COLD SPRING DR, STANFORD, KY 40484-8492
Document Number	DEED459/412
Book / Page	DEED 459 / 412
Map Reference	SL A-222
Instrument Date	Feb 26, 2021
Instrument	465991
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	143 COLD SPRING DR, 143, STANFORD, KY 40484-8491

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-3314

Mortgage

Document Number	0000465992
Date	Mar 16, 2021
Instrument	465992

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN KY
Recording Date	Jan 29, 2020
Property Address	207 COLD SPRING DR, STANFORD, KY 40484-8492
Document Number	DEED451/407
Book / Page	DEED 451 / 407
Map Reference	MB 5 PG 77
Instrument Date	Jan 28, 2020
Instrument	460620
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 COLD SPRING DR, 207, STANFORD, KY 40484-8492

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3820 SCARLET OAK LN, LEXINGTON, KY 40514-1615

Mortgage

Document Number	0000460621
Date	Jan 29, 2020
Instrument	460621

Lender

Name	THE FARMERS NATIONAL BANK OF DANVIL
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN KY
Recording Date	Mar 13, 2019
Property Address	207 COLD SPRING DR, STANFORD, KY 40484-8492
Document Number	DEED445/773
Book / Page	DEED 445 / 773
Map Reference	MB 5 PG 77
Instrument Date	Feb 25, 2019
Instrument	341960
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 SCENIC VIEW DR, 101, LANCASTER, KY 40444-2087

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 COLD SPRING DR, STANFORD, KY 40484-8492

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN KY
Recording Date	Dec 14, 2018
Property Address	207 COLD SPRING DR, STANFORD, KY 40484-8492
Document Number	DEED444/455
Book / Page	DEED 444 / 455
Map Reference	SL A-222
Instrument Date	Dec 7, 2018
Instrument	341033
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 GIP MORGAN RD, 300, STANFORD, KY 40484-9065

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	207 COLD SPRING DR, STANFORD, KY 40484-8492

Mortgage

Document Number	0000341034
Date	Dec 14, 2018
Instrument	341034

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,835.00 (-5.66%) Homeowner's exemption	$236,000 (-) Land $20,000 Building $216,000	$236,000 (-) Land $20,000 Building $216,000
2024	$1,945.00
2023		$236,000 Land $20,000 Building $216,000	$236,000 Land $20,000 Building $216,000

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 September 17, 2010

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	0.03% 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	STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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