305 E Main St, Warsaw, KY 41095 Property Records

Gallatin County property record for 305 E Main St, Warsaw, KY 41095

Property Summary

Property Type	Commercial
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Last Sale	$150,000 (Jul 2023)
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13A-34-04`

Property Details

APN / Parcel Number

Primary APN	`13A-34-04`
Alternative APN	`6098-1`

Interior

Stories	1 Story
Office	5,360 sqft

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	210 ft deep x 117 ft wide
Driveway	Asphalt Driveway
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	6098-1
Street Address	305 E MAIN ST
City	WARSAW
State	KY
Zip	41095-2094
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	0.10 AC & MRT'S
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1010
Census Tract	960103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Warsaw Historic District listed 1982 · 118 contributing resources · NRIS 82002699

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

305 E Main St, a commercial property, is owned by a company that acquired it in June 2024.

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

Owner of Record	Company Name on File
Mailing Address	200 WASHINGTON ST, WARSAW, KY 41095-2049
Owner Type	Company

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
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
Jul 25, 2023	Deed, Transfer FIRST NATIONAL BANK OF KENTUCKY
Nov 25, 2019	Deed of Trust, Mortgage HERITAGE SOUTHEAST BANK
Jun 19, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Deed Document Number	202389929
Deed Book / Page	139 / 323
Last Transfer Date	Jun 4, 2024
Transfer Doc	0000093528
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Recording Date	Jul 22, 2026
Property Address	305 E MAIN ST, WARSAW, KY 41095-2094
Document Number	0000113092
Book / Page	290 / 680
Instrument Date	Jul 2, 2026
Instrument	2026113092
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10201 HAMLET CT, UNION, KY 41091-7165

Mortgage

Document Number	0000113092,
Date	Jul 22, 2026
Book Page	290/680
Instrument	2026113092

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 2, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GALLATIN KY
Recording Date	Jul 25, 2023
Property Address	302 E HIGH ST, WARSAW, KY 41095-2077
Document Number	00D139/323
Book / Page	D139 / 323
Instrument Date	Jul 24, 2023
Instrument	89929
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 333, WARSAW, KY 41095-0333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	820 US HIGHWAY 42 E, WARSAW, KY 41095-9564

Mortgage

Document Number	0000089930
Date	Jul 25, 2023
Instrument	89930

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 24, 2043

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Property Address	305 E MAIN ST, WARSAW, KY 41095-2094
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10201 HAMLET CT, UNION, KY 41091-7165

Mortgage

Document Number	00M243/325
Date	Nov 25, 2019
Book Page	M243/325
Instrument	74797

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	UNION, KY 41091

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 15, 2029

Interest

Rate Type	Adjustable Rate

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GALLATIN KY
Recording Date	Jun 19, 2019
Property Address	305 E MAIN ST, WARSAW, KY 41095-2094
Document Number	00D129/189
Book / Page	D129 / 189
Instrument Date	Jun 10, 2019
Instrument	74042
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 BAYSWATER DR, UNION, KY 41091-7144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10201 HAMLET CT, UNION, KY 41091-7165

Tax Assessment & Valuation

The 2025 property tax bill for 305 E Main St was $2,124.

Source: Gallatin County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Gallatin County
Municipality	Warsaw City
Unified School District	Gallatin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$200,000 (-) Land $35,000 Building $165,000	$200,000 (-) Land $35,000 Building $165,000
2025	$2,124.00	$200,000 Land $35,000 Building $165,000	$200,000 Land $35,000 Building $165,000
2023	$2,680.00 (-0.37%)	$200,000 (-2%) Land $35,000 Building $165,000	$200,000 (-2%) Land $35,000 Building $165,000
2022	$2,690.00	$250,000 Land $60,000 Building $190,000	$250,000 Land $60,000 Building $190,000

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

Flood

FEMA maps place 305 E Main St 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 March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2018–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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 305 E Main St 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	WARSAW WATER WORKS serves 1,988 people · EPA ID KY0390444
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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