224 W Stephens St, Midway, KY 40347 Property Records

Woodford County property record for 224 W Stephens St, Midway, KY 40347

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Feb 2022)
Tax Bill	$1,727 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-2005-028-00`

Property Details

APN / Parcel Number

Primary APN	`38-2005-028-00`
Alternative APN	`34454`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	225 ft deep x 60 ft wide
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	34454
Street Address	224 W STEPHENS ST
City	MIDWAY
State	KY
Zip	40347-1104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 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 12, 2025

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	Individual Name on Record
Mailing Address	224 W STEPHENS ST, MIDWAY, KY 40347-1104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Prior Sale	Nov 20, 2008
Deed Document Number	2022128804
Deed Book / Page	331 / 597
Prior Transfer Date	Dec 8, 2021
Prior Transfer Doc	00D331/597
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Feb 11, 2022
Property Address	224 W STEPHENS ST, MIDWAY, KY 40347-1104
Document Number	00D331/597
Book / Page	D331 / 597
Instrument Date	Dec 8, 2021
Instrument	128804
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4391 BETHEL RD, LEXINGTON, KY 40511-9034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 W STEPHENS ST, MIDWAY, KY 40347-1104

Mortgage

Document Number	0000128806
Date	Feb 11, 2022
Instrument	128806

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Woodford County assessment roll, as of December 12, 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	$1,727.00 (+13.32%) Homeowner's exemption	$236,900 (+21.49%)	$236,900 (+21.49%)
2023	$1,524.00 Homeowner's exemption	$195,000	$195,000

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