252 Oster Dr, Harrodsburg, KY 40330 Property Records

Mercer County property record for 252 Oster Dr, Harrodsburg, KY 40330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1988
Lot Size	0.346 acres (15,060 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (May 2026)
Tax Bill	$610 (2025)
Deeds & Mortgages	Oct 2015 Line of Credit May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080.40-02003.00`

Property Details

APN / Parcel Number

Primary APN	`080.40-02003.00`
Alternative APNs	`29247` `248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,060 sqft (0.346 acres)
Lot Dimensions	251 ft deep x 60 ft wide
Terrain	Steep
Driveway	Gravel Driveway
Porch	Slab
Porch Area	80 sqft
Deck Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	29247
Street Address	252 OSTER DR
City	HARRODSBURG
State	KY
Zip	40330-8726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANE RUN FISHING CAMP LOT 5 & PART OF 4
Legal Subdivision	CANE RUN FISHING CAMP
Legal Lot Number	5
Jurisdiction	MERCER KY
Township / Civil Division	BURGIN
Census Block Group	3
Census Block	3003
Census Tract	960500

Owner

Source: Mercer County records, as of June 5, 2026

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	2689 WOODLAWN WAY, LEXINGTON, KY 40511-8806
Owner Type	Individual
Vesting	Widow or Widower

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2015	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO
May 21, 2026	Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Sep 19, 2024 · Amount on Record
Deed Document Number	202612086781
Deed Book / Page	390 / 639
Record Updated	Sep 20, 2026

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER KY
Property Address	252 OSTER DR, HARRODSBURG, KY 40330-8726
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M620/631
Date	Oct 7, 2015
Book Page	M620/631
Instrument	170940

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 18, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER KY
Recording Date	May 21, 2026
Property Address	252 OSTER DR, HARRODSBURG, KY 40330-8726
Document Number	0012086781
Book / Page	390 / 639
Instrument Date	May 20, 2026
Instrument	202612086781
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,745.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2689 WOODLAWN WAY, LEXINGTON, KY 40511-8806

Mortgage

Document Number	0012086784,
Date	May 21, 2026
Instrument	202612086784

Lender

Name	CENTRAL BANK & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Mercer County assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Mercer County
Unified School District	Burgin Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$610.00 (+142.06%)	$125,000 (+26.26%) Land $15,000 Building $110,000	$125,000 (+26.26%) Land $15,000 Building $110,000
2024	$252.00 (-1.95%)
2023	$257.00 Homeowner's exemption	$99,000	$99,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	LAKE VILLAGE WATER ASSOCIATION private · serves 6,855 people · EPA ID KY0840587
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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