219 W Cross St, Midway, KY 40347 Property Records

Woodford County property record for 219 W Cross St, Midway, KY 40347

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,572 sqft
Owner	Individual Name on Record
Last Sale	$262,000 (Jan 2019)
Tax Bill	$3,249 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-5004-005-00`

Property Details

APN / Parcel Number

Primary APN	`38-5004-005-00`
Alternative APN	`31855`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,572 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Porch	Porch
Porch Area	128 sqft

Location & Zoning

Account Number	31855
Street Address	219 W CROSS ST
City	MIDWAY
State	KY
Zip	40347-5052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 STORY
Jurisdiction	WOODFORD KY
Township / Civil Division	MIDWAY
Census Block Group	1
Census Block	1056
Census Tract	50400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Midway Historic District listed 1978 · 177 contributing resources · NRIS 78001415

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	219 W CROSS ST, MIDWAY, KY 40347-5052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 20, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Jan 8, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2019 · Amount on Record
Deed Sale	Jan 8, 2019 · Amount on Record
Deed Document Number	67564
Deed Book / Page	D310 / 687
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	219 W CROSS ST, MIDWAY, KY 40347-5052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M872/437
Date	Jul 13, 2020
Book Page	M872/437
Instrument	90645

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	219 W CROSS ST, MIDWAY, KY 40347-5052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M819/426
Date	Jun 20, 2018
Book Page	M819/426
Instrument	57752

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jun 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODFORD KY
Recording Date	Jan 8, 2019
Property Address	219 W CROSS ST, MIDWAY, KY 40347-5052
Document Number	D310/687
Book / Page	D310 / 687
Instrument Date	Jan 2, 2019
Instrument	67564
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	METRO S TITLE, METRO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10110 CANTER RDG, 10110, LOUISVILLE, KY 40223-2875

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 W CROSS ST, MIDWAY, KY 40347-5052

Mortgage

Document Number	67565
Date	Jan 8, 2019
Instrument	67565

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Woodford County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Woodford County
Municipality	Midway City
Unified School District	Woodford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,249.00 (+23.16%)	$360,000 (+37.4%)	$360,000 (+37.4%)
2023	$2,638.00	$262,000	$262,000

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 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 Policies	1 in force
Nearby Flood Claims	7 (1978–2015)
Most Recent Claim	Apr 2015 · river or lake flooding

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MIDWAY MUNICIPAL WATER WORKS serves 2,174 people · EPA ID KY1200283
Water Source	Purchased surface water from FRANKFORT PLANT BOARD
Last State Inspection	May 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 252 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

219 W Cross St, Midway, KY 40347 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on W Cross St

Nearby Streets

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