2161 Lock Rd, Carrollton, KY 41008 Property Records

Carroll County property record for 2161 Lock Rd, Carrollton, KY 41008

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,650 sqft · built 1980
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2023)
Tax Bill	$2,670 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-36-01-3,4,5,6,7-1`

Property Details

APN / Parcel Number

Primary APN	`19-36-01-3,4,5,6,7-1`
Alternative APNs	`119521` `117381` `35211`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	85,813 sqft (1.97 acres)
Terrain	Steep
Garage Area	818 sqft
Driveway	Gravel Driveway
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	119521
Street Address	2161 LOCK RD
City	CARROLLTON
State	KY
Zip	41008-8009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1+ ACRES
Legal Subdivision	RIVERWOOD SUBDIVISION
Jurisdiction	CARROLL KY
Township / Civil Division	CARROLLTON
Census Block Group	3
Census Block	3000
Census Tract	950200

Owner

Source: Carroll County records, as of October 20, 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	2161 LOCK RD, CARROLLTON, KY 41008-8009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage UMORTGAGE LLC
Dec 29, 2023	Deed, Transfer · Conventional Mortgage UMORTGAGE LLC
Jun 12, 2023	Warranty Deed, Transfer · Conventional Mortgage STATEWIDE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2023 · Amount on Record
Deed Sale	Dec 29, 2023 · Amount on Record
Prior Sale	Dec 28, 2023 · Amount on Record
Deed Document Number	20232207376
Deed Book / Page	229 / 612
Prior Transfer Date	Jun 12, 2023
Prior Transfer Doc	0002205244
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL KY
Property Address	2161 LOCK RD, CARROLLTON, KY 41008-8009
Transaction Type	Mortgage
Record Updated	Feb 5, 2024
Title Company	KENTUCKY LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13-3463 HAPUU ST, PAHOA, HI 96778-8238

Mortgage

Document Number	00M285/602
Date	Jan 9, 2024
Book Page	M285/602
Instrument	2207521

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	Dec 29, 2023
Property Address	2161 LOCK RD, CARROLLTON, KY 41008-8009
Document Number	00D229/612
Book / Page	D229 / 612
Map Reference	MB 75 PG 110
Instrument Date	Dec 27, 2023
Instrument	2207376
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11108 SHADY HOLLOW DR, LOUISVILLE, KY 40241-4835

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1780, PETROLEUM, IN 46778

Mortgage

Document Number	00M285/425
Date	Dec 29, 2023
Book Page	M285/425
Instrument	2207377

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL KY
Recording Date	Jun 12, 2023
Property Address	2161 LOCK RD, CARROLLTON, KY 41008-8009
Document Number	00D227/670
Book / Page	D227 / 670
Map Reference	MB 75 PG 110
Instrument Date	May 26, 2023
Instrument	2205246
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	ROCKET TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1115 SKYVIEW DR, CARROLLTON, KY 41008-9715

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2161 LOCK RD, CARROLLTON, KY 41008-8009

Mortgage

Document Number	0002205251
Date	Jun 12, 2023
Instrument	2205251

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,670.00 (-0.37%)	$310,000 (-) Land $40,000 Building $270,000	$310,000 (-) Land $40,000 Building $270,000
2025	$2,680.00 (+114.06%) Homeowner's exemption	$310,000 (+3.68%) Land $40,000 Building $270,000	$310,000 (+3.68%) Land $40,000 Building $270,000
2023	$1,252.00	$299,000 Land $40,000 Building $259,000	$299,000 Land $40,000 Building $259,000

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 March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides

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 93% of the US · lower than 92% 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	CARROLLTON UTILITIES serves 6,851 people · EPA ID KY0210067
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

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