287 Cedar Lk, Ewing, KY 41039 Property Records

Fleming County property record for 287 Cedar Lk, Ewing, KY 41039

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,016 sqft · built 1998
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Mar 2022)
Tax Bill	$3,981 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2020 Reverse Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`018-40-00-017.00`

Property Details

APN / Parcel Number

Primary APN	`018-40-00-017.00`
Alternative APNs	`16434` `28061`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Basement Area	2,016 sqft
Finished Basement	2,016 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Other
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Driveway	Gravel Driveway
Deck Area	952 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	28061
Street Address	287 CEDAR LK
City	EWING
State	KY
Zip	41039-8484
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1.499AC & HOUSE
Legal Subdivision	CEDAR LAKE
Legal Lot Number	16-17
Jurisdiction	FLEMING KY
Township / Civil Division	EWING
Census Block Group	1
Census Block	1030
Census Tract	920300

Owner

287 Cedar Lk is owned and occupied by two individuals who acquired it in June 2022.

Source: Fleming County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	287 CEDAR LK, EWING, KY 41039-8484
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 25, 2026	Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LNDG INC
Jan 6, 2020	Deed of Trust, Mortgage · Reverse Mortgage HUD
Jan 6, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK NA
Sep 19, 2022	Affidavit of Death of Joint Tenant, Transfer
Jun 9, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 25, 2022	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Nov 5, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on File
Deed Sale	Mar 25, 2022 · Amount on File
Prior Sale	Feb 7, 2011 · Amount on File
Deed Document Number	2022107720
Deed Book / Page	283 / 5
Last Transfer Date	Jun 1, 2022
Transfer Doc	00D283/782
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Recording Date	Sep 25, 2026
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Document Number	0000158309
Book / Page	444 / 357
Instrument Date	Sep 9, 2026
Instrument	2026158309
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CEDAR LK, EWING, KY 41039-8484

Mortgage

Document Number	0000158309,
Date	Sep 25, 2026
Book Page	444/357
Instrument	2026158309

Lender

Name	ADVANTAGEFIRST LNDG INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FC TITLE, FNC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097358
Date	Jan 6, 2020
Instrument	97358

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	901 Months
Due	Feb 14, 2095

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Index	LIBOR

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FC TITLE, FNC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097357
Date	Jan 6, 2020
Instrument	97357

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	901 Months
Due	Feb 14, 2095

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Index	LIBOR

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M357/363
Date	Dec 28, 2018
Book Page	M357/363
Instrument	66384

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2034

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M397/131
Date	Jun 9, 2022
Book Page	M397/131
Instrument	109105

Lender

Name	MUTUAL OF OMAHA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M408/485
Date	Jul 18, 2023
Book Page	M408/485
Instrument	115882

Lender

Name	COMMUNITY TRUST BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 28, 2043

Interest

Rate Type	Adjustable Rate

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FLEMING KY
Recording Date	Sep 19, 2022
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Document Number	00D285/166
Book / Page	D285 / 166
Instrument Date	Sep 6, 2022
Instrument	110776
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CEDAR LK, EWING, KY 41039-8484

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLEMING KY
Recording Date	Jun 9, 2022
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Document Number	00D283/782
Book / Page	D283 / 782
Map Reference	DB 160 PG 228
Instrument Date	Jun 1, 2022
Instrument	109098
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CEDAR LK, EWING, KY 41039-8484

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLEMING KY
Recording Date	Mar 25, 2022
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Document Number	0000D283/5
Book / Page	D283 / 5
Map Reference	PB 2 PG 5
Instrument Date	Mar 23, 2022
Instrument	107720
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4596 CLARKS RUN RD, MAYSVILLE, KY 41056-8856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CEDAR LK, EWING, KY 41039-8484

Mortgage

Document Number	00M394/511
Date	Mar 25, 2022
Book Page	M394/511
Instrument	107722

Lender

Name	CALIBER HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLEMING KY
Recording Date	Nov 5, 2018
Property Address	287 CEDAR LK, EWING, KY 41039-8484
Document Number	00D269/645
Book / Page	D269 / 645
Map Reference	PB 2 PG 5
Instrument Date	Nov 5, 2018
Instrument	65749
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	287 CEDAR LK, EWING, KY 41039-8484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 CEDAR LK, EWING, KY 41039-8484

Tax Assessment & Valuation

The 2025 property tax bill for 287 Cedar Lk was $3,981.

Source: Fleming County assessment roll, as of November 13, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Fleming County
Unified School District	Fleming County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$410,000 (-) Land $35,000 Building $375,000	$410,000 (-) Land $35,000 Building $375,000
2025	$3,981.00	$410,000 Land $35,000 Building $375,000	$410,000 Land $35,000 Building $375,000
2023	$4,108.00	$410,000 Land $35,000 Building $375,000	$410,000 Land $35,000 Building $375,000

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

Flood

FEMA maps place 287 Cedar Lk in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 20, 2010 · 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	4 in force
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 2 claims

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

Wildfire risk around 287 Cedar Lk is low, with a 0.02% 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	0.02% 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	WESTERN FLEMING WATER DISTRICT serves 4,262 people · EPA ID KY0910675
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	3 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

No cell data coverage reported

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