220 W Higgins St, Midway, KY 40347 Property Records

Woodford County property record for 220 W Higgins St, Midway, KY 40347

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,924 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$375,000 (May 2023)
Tax Bill	$3,381 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-2006-004-05`

Property Details

APN / Parcel Number

Primary APN	`38-2006-004-05`
Alternative APNs	`20083` `35611`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Brick Veneer
Foundation Type	Block
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	35611
Street Address	220 W HIGGINS ST
City	MIDWAY
State	KY
Zip	40347-5038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE
Legal Lot Number	83F
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
Co-owner	Co-owner on Record
Mailing Address	220 W HIGGINS ST, MIDWAY, KY 40347-5038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Prior Sale	Dec 4, 2006 · Amount on Record
Deed Document Number	192193
Deed Book / Page	D340 / 126
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	May 25, 2023
Property Address	220 W HIGGINS ST, MIDWAY, KY 40347-5038
Document Number	00D340/126
Book / Page	D340 / 126
Map Reference	CAB C SL 11
Instrument Date	May 11, 2023
Instrument	192193
Transaction Type	Transfer
Record Updated	Jul 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 333, JAMESTOWN, KY 42629-0333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	220 W HIGGINS ST, MIDWAY, KY 40347-5038

Mortgage

Document Number	0000192196
Date	May 25, 2023
Instrument	192196

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	10.7%

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	$3,381.00 (+25.08%)	$375,000 (+19.05%)	$375,000 (+19.05%)
2023	$2,703.00 (+15.02%) Homeowner's exemption	$315,000 (+14.55%)	$315,000 (+14.55%)
2022	$2,350.00 Homeowner's exemption	$275,000	$275,000

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