2549 Dell Rd, Seneca Gardens (Louisville), KY 40205 Property Records

Louisville/Jefferson County Metro Government property record for 2549 Dell Rd, Seneca Gardens, KY 40205

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 2,270 sqft · built 1936
Lot Size	0.298 acres (12,972 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jul 2020)
Tax Bill	$7,417 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22050900080000`

Property Details

APN / Parcel Number

Primary APN	`22050900080000`
Alternative APNs	`050900080000` `00100484`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,270 sqft Finished Area
Basement Area	1,032 sqft
Finished Basement	500 sqft
Flooring	Covered
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,972 sqft (0.298 acres)
Garage Type	Attached
Garage Area	391 sqft
Parking Spaces	1 Parking Space
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00100484
Street Address	2549 DELL RD
City	LOUISVILLE
State	KY
Zip	40205-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	LOT 8 SENECA GARDENS PB 7 PG 98 & 99 0.2978 AC
Legal Subdivision	SENECA GARDENS
Legal Lot Number	8
Jurisdiction	JEFFERSON KY
Township / Civil Division	LOUISVILLE EAST
Census Block Group	4
Census Block	4010
Census Tract	8800

Owner

Source: Louisville/Jefferson County Metro Government records, as of May 21, 2026

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	2549 DELL RD, LOUISVILLE, KY 40205-2309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage ECLIPSE BANK INC
Mar 4, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO
Jul 6, 2020	Grant Deed, Transfer FIRST FIN'L BK&TR
Aug 31, 2017	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Nov 23, 2016 · Amount on Record
Deed Document Number	2020128216
Deed Book / Page	11726 / 632
Last Transfer Date	Feb 13, 2026
Transfer Doc	0000024980
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	2549 DELL RD, SENECA GARDENS, KY 40205-2309
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055006
Date	Mar 9, 2022
Book Page	M 17975/913
Instrument	2022055006

Lender

Name	ECLIPSE BANK INC
Type	Bank
Address	LOUISVILLE, KY 40207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON KY
Recording Date	Mar 4, 2026
Property Address	2549 DELL RD, SENECA GARDENS, KY 40205-2309
Document Number	0000024980
Book / Page	D 13273 / 77
Map Reference	MB 7 PG 98-99
Instrument Date	Feb 13, 2026
Instrument	2026024980
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2549 DELL RD, LOUISVILLE, KY 40205-2309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2549 DELL RD, LOUISVILLE, KY 40205-2309

Mortgage

Document Number	0000024981
Date	Mar 4, 2026
Instrument	2026024981

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jul 6, 2020
Property Address	2549 DELL RD, SENECA GARDENS, KY 40205-2309
Document Number	0117260632
Book / Page	011726 / 000632
Instrument Date	Jun 30, 2020
Instrument	128216
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2549 DELL RD LOUISVILLE KY 402052309, LOUISVILLE, KY 40205-2309

Mortgage

Document Number	166440414
Date	Jul 6, 2020
Book Page	016644/000414
Instrument	128217

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45246

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	2549 DELL RD, SENECA GARDENS, KY 40205-2309
Document Number	0152330692
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2549 DELL RD LOUISVILLE KY 402052309, LOUISVILLE, KY 40205-2309

Mortgage

Document Number	0152330692
Date	Sep 19, 2017
Book Page	015233/000692
Instrument	206186

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 18, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Municipality	Seneca Gardens City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,417.00 (-0.91%)	$788,250 (+5.1%) Land $115,000 Building $673,250
2024			$788,250 (+5.1%) Land $115,000 Building $673,250
2023	$7,485.00 (-0.4%)	$750,000 (-) Land $69,000 Building $681,000	$750,000 (-) Land $69,000 Building $681,000
2022	$7,515.00	$750,000 Land $69,000 Building $681,000	$750,000 Land $69,000 Building $681,000

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 January 26, 2026 · 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
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	1 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 95% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	LOUISVILLE WATER COMPANY private · serves 806,997 people · EPA ID KY0560258
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	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	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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: BluegrassNet.

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