Woodford County property record for 268 W Stephens St, Midway, KY 40347
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,611 sqft · built 1997 |
| Lot Size | 0.34 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $163,500 (Jul 2016) |
| Tax Bill | $2,474 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-2005-043-00 |
| Primary APN | 38-2005-043-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,611 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,000 sqft (0.34 acres) |
| Lot Dimensions | 250 ft deep x 60 ft wide |
| Garage Type | Detached |
| Driveway | Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Account Number | 29642 |
|---|---|
| Street Address | 268 W STEPHENS ST |
| City | MIDWAY |
| State | KY |
| Zip | 40347-1104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 STORY |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | MIDWAY |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 50400 |
Source: Woodford County assessment roll, as of December 12, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 268 W STEPHENS ST, MIDWAY, KY 40347-1104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2021 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Jul 6, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 22, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2016 · Amount on Record |
| Deed Sale | Jul 15, 2016 · Amount on Record |
| Deed Document Number | 201620371 |
| Deed Book / Page | 294 / 697 |
| Prior Transfer Date | Jun 22, 2007 |
| Prior Transfer Doc | 241/584 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 268 W STEPHENS ST, MIDWAY, KY 40347-1104 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | M918/45 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | M918/45 |
| Instrument | 101898 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 268 W STEPHENS ST, MIDWAY, KY 40347-1104 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | M916/651 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | M916/651 |
| Instrument | 101032 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 268 W STEPHENS ST, MIDWAY, KY 40347-1104 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | M903/176 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | M903/176 |
| Instrument | 96935 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 268 W STEPHENS ST, MIDWAY, KY 40347-1104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M850/314 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | M850/314 |
| Instrument | 85516 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
Source: Woodford County assessment roll, as of December 12, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Woodford County |
| Municipality | Midway City |
| Unified School District | Woodford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,474.00 (+38.75%) | $272,300 (+55.6%) | $272,300 (+55.6%) |
| 2023 | $1,783.00 | $175,000 | $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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