2325 Paynes Mill Rd, Versailles, KY 40383 Property Records

Woodford County property record for 2325 Paynes Mill Rd, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,614 sqft · built 1971
Lot Size	4.9 acres (213,444 sqft)
Owner	Individual Name on File
Tax Bill	$5,681 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-0000-018-00`

Property Details

APN / Parcel Number

Primary APN	`40-0000-018-00`
Alternative APN	`29363`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,614 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Stucco
Lot Area	213,444 sqft (4.9 acres)
Garage Type	Detached
Driveway	Driveway
Parking Spaces	12 Parking Spaces
Porch	Slab
Porch Area	260 sqft

Location & Zoning

Account Number	29363
Street Address	2325 PAYNES MILL RD
City	VERSAILLES
State	KY
Zip	40383-9207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	1 STORY
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2002
Census Tract	50300

Historic Designation

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

Historic District	Within the Pisgah Rural Historic District listed 1989 · 257 contributing resources · NRIS 88003348

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

Owner

2325 Paynes Mill Rd is owned and occupied by an individual who acquired it in January 2005.

Source: Woodford County records, as of December 12, 2025

Owner of Record	Individual Name on File
Mailing Address	2325 PAYNES MILL RD, VERSAILLES, KY 40383-9207
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Apr 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS COMMERCE NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 10, 2005
Transfer Doc	226/85
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2325 PAYNES MILL RD, VERSAILLES, KY 40383-9207
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 PAYNES MILL RD, VERSAILLES, KY 40383-9207

Mortgage

Document Number	00M957/232
Date	Oct 5, 2022
Book Page	M957/232
Instrument	158638

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	VERSAILLES, KY 40383

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2325 PAYNES MILL RD, VERSAILLES, KY 40383-9207
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M898/304
Date	Feb 12, 2021
Book Page	M898/304
Instrument	95638

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2325 PAYNES MILL RD, VERSAILLES, KY 40383-9207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M835/283
Date	Apr 9, 2019
Book Page	M835/283
Instrument	75397

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	2325 PAYNES MILL RD, VERSAILLES, KY 40383-9207
Transaction Type	Mortgage
Record Updated	Jan 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M803/553
Date	Oct 5, 2017
Book Page	M803/553
Instrument	43542

Lender

Name	CITIZENS COMMERCE NATIONAL BANK
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 26, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2325 Paynes Mill Rd was $5,681.

Source: Woodford County assessment roll, as of December 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,681.00	$586,700	$586,700
2023	$6,199.00	$586,700	$586,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2325 Paynes Mill Rd in Zone X, an area of minimal flood risk, though there have been 260 flood claims nearby since 1978.

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	260 (1978–2025)
Claims Outside the SFHA	71 of 260
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 53 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 60 claims Severe Storms & Flooding, Feb 1989 · 45 claims

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

Wildfire risk around 2325 Paynes Mill Rd is low, with a 0.01% annual chance of 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	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	NE WOODFORD CO WATER DISTRICT serves 2,644 people · EPA ID KY1200310
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	2 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	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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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