286 High St, Versailles, KY 40383 Property Records

Woodford County property record for 286 High St, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,120 sqft · built 1946
Lot Size	0.29 acres (12,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jun 2026)
Tax Bill	$1,746 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Mar 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30-3003-002-00`

Property Details

APN / Parcel Number

Primary APN	`30-3003-002-00`
Alternative APNs	`31819` `36731`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Aluminum/Vinyl
Lot Area	12,800 sqft (0.29 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Driveway	Driveway

Location & Zoning

Account Number	36731
Street Address	286 HIGH ST
City	VERSAILLES
State	KY
Zip	40383-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1/ATTIC
Legal Subdivision	HIGHLAND ADDITION
Legal Lot Number	10-12
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2004
Census Tract	50105

Owner

Source: Woodford County records, as of June 16, 2026

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 Record
Mailing Address	286 HIGH ST, VERSAILLES, KY 40383-1308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO
Mar 4, 2014	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK AND TRUST CO
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage PRIMECAP LENDING LLC
Aug 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO
Dec 26, 2018	Deed, Transfer · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Dec 26, 2018 · Amount on Record
Deed Document Number	2026296967
Deed Book / Page	358 / 667
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	286 HIGH ST, VERSAILLES, KY 40383-1308
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M823/208
Date	Aug 15, 2018
Book Page	M823/208
Instrument	60277

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	286 HIGH ST, VERSAILLES, KY 40383-1308
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000723/159
Date	Mar 4, 2014
Book Page	723/159

Lender

Name	CENTRAL BANK AND TRUST CO
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2034

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODFORD KY
Recording Date	Jun 1, 2026
Property Address	286 HIGH ST, VERSAILLES, KY 40383-1308
Document Number	00D358/667
Book / Page	358 / 667
Instrument Date	May 29, 2026
Instrument	2026296967
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,725.00
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	286 HIGH ST, VERSAILLES, KY 40383-1308

Mortgage

Document Number	0000296970,
Date	Jun 1, 2026
Instrument	2026296970

Lender

Name	PRIMECAP LENDING LLC

Agreement

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

Interest

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	286 HIGH ST, VERSAILLES, KY 40383-1308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M823/208
Date	Aug 15, 2018
Book Page	M823/208
Instrument	60277

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WOODFORD KY
Recording Date	Dec 26, 2018
Property Address	286 HIGH ST, VERSAILLES, KY 40383-1308
Document Number	D310/563
Book / Page	D310 / 563
Map Reference	MB 29 PG 163
Instrument Date	Dec 21, 2018
Instrument	67260
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 TAYLORSVILLE TRL, 203, GEORGETOWN, KY 40324-2823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7410 FLINT RIDGE RD, VERSAILLES, KY 40383

Mortgage

Document Number	67261
Date	Dec 26, 2018
Instrument	67261

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Index	1-Year LIBOR
Max Rate	9.87%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,746.00 (+32.67%)	$190,000 (+49.02%)	$190,000 (+49.02%)
2023	$1,316.00	$127,500	$127,500

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 December 21, 2017

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

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	VERSAILLES WATER SYSTEM serves 17,822 people · EPA ID KY1200439
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	6 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024 Organic carbon removal Jan 2024
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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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