268 Spencer Ln, Mount Washington, KY 40047 Property Records

Bullitt County property record for 268 Spencer Ln, Mount Washington, KY 40047

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,225 sqft · built 2004
Lot Size	0.348 acres (15,142 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jun 2026)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`077-WSW-33-014`

Property Details

APN / Parcel Number

Primary APN	`077-WSW-33-014`
Alternative APNs	`179420501` `401906`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,225 sqft Finished Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Split Foyer
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,142 sqft (0.348 acres)
Lot Dimensions	134 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	401906
Street Address	268 SPENCER LN
City	MOUNT WASHINGTON
State	KY
Zip	40047-5115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 202 SEC 2 WILCHAR EST
Legal Subdivision	WILCHAR ESTATES
Legal Lot Number	202
Jurisdiction	BULLITT KY
Township / Civil Division	MOUNT WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	20101

Owner

268 Spencer Ln is owned and occupied by an individual who bought it in June 2026.

Source: Bullitt County records, as of June 18, 2026

Owner of Record	Individual Name on File
Mailing Address	268 SPENCER LN, MOUNT WASHINGTON, KY 40047-5115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Nov 7, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Aug 25, 2020 · Amount on File
Deed Document Number	2026863029
Deed Book / Page	1161 / 129
Prior Transfer Date	Nov 5, 2025
Prior Transfer Doc	0D1148/885
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BULLITT KY
Recording Date	Jun 2, 2026
Property Address	268 SPENCER LN, MOUNT WASHINGTON, KY 40047-5115
Document Number	0000863029
Book / Page	1161 / 129
Instrument Date	May 29, 2026
Instrument	2026863029
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,270.00
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	268 SPENCER LN, MOUNT WASHINGTON, KY 40047-5115

Mortgage

Document Number	0000863032,
Date	Jun 2, 2026
Instrument	2026863032

Lender

Name	RUOFF MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BULLITT KY
Recording Date	Nov 7, 2025
Property Address	268 SPENCER LN, MOUNT WASHINGTON, KY 40047-5115
Document Number	0D1148/885
Book / Page	D1148 / 885
Map Reference	CAB 2 SL 629
Instrument Date	Nov 5, 2025
Instrument	827486
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	268 SPENCER LN, MOUNT WASHINGTON, KY 40047-5115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	268 SPENCER LN, MOUNT WASHINGTON, KY 40047-5115

Tax Assessment & Valuation

The 2025 property tax bill for 268 Spencer Ln was $1,842 with a disabled person's exemption, down 2.6% from the year before.

Source: Bullitt County assessment roll, as of January 30, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Bullitt County
Municipality	Mount Washington City
Unified School District	Bullitt County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,842.00 (-2.59%) Disabled Person's exemption	$195,000 (-) Building $195,000	$195,000 (-) Building $195,000
2024	$1,891.00 (+0.64%) Disabled Person's exemption	$195,000 (-) Building $195,000	$195,000 (-) Building $195,000
2023	$1,879.00 (-4.62%) Disabled Person's exemption	$195,000 (-) Building $195,000	$195,000 (-) Building $195,000
2022	$1,970.00 Disabled Person's exemption	$195,000 Building $195,000	$195,000 Building $195,000

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

Flood

FEMA maps place 268 Spencer Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 16, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 268 Spencer Ln 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	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	MT WASHINGTON WATER COMPANY private · serves 23,760 people · EPA ID KY0150300
Water Source	Purchased surface water from LOUISVILLE WATER COMPANY
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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