Jessamine County property record for 305 E Main St, Wilmore, KY 40390
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 7 ba · 3,157 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $389,000 (Jul 2022) |
| Tax Bill | $4,072 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 024-10-17-027.00 |
| Primary APN | 024-10-17-027.00 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 7 Baths |
| Stories | 2 Stories |
| Building Area | 3,157 sqft Living Area |
| Basement Area | 1,619 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood |
|---|---|
| Foundation Type | Stone |
| Lot Area | 43,560 sqft |
| Garage Type | Detached |
| Street Address | 305 E MAIN ST |
|---|---|
| City | WILMORE |
| State | KY |
| Zip | 40390-1323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | JESSAMINE KY |
| Township / Civil Division | WILMORE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 60401 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the East Main Street Historic District listed 1994 · 24 contributing resources · NRIS 94000840 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Jessamine County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 202 RINEY B WAY, NICHOLASVILLE, KY 40356-8890 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK |
| Jul 27, 2022 | Deed, Transfer PERSONS BANKING COMPANY |
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STHRN NAT'L BK |
| Sep 22, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2022 · Amount on Record |
| Deed Sale | Jul 27, 2022 · Amount on Record |
| Prior Sale | Sep 22, 2020 · Amount on Record |
| Deed Document Number | 421287 |
| Deed Book / Page | D848 / 7 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Property Address | 305 E MAIN ST, WILMORE, KY 40390-1323 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 305 E MAIN ST, WILMORE, KY 40390-1323 |
| Document Number | 0000432989 |
|---|---|
| Date | Nov 15, 2022 |
| Book Page | M1530/934 |
| Instrument | 432989 |
| Name | FARMERS BANK |
|---|---|
| Type | Bank |
| Address | NICHOLASVILLE, KY 40356 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | 3 Years |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 3-Year TN |
| Max Rate | 12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Recording Date | Jul 27, 2022 |
| Property Address | 305 E MAIN ST, WILMORE, KY 40390-1323 |
| Document Number | 0000421287 |
| Book / Page | D848 / 7 |
| Instrument Date | Jul 22, 2022 |
| Instrument | 421287 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $389.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 451 RICHARDSON LN, NICHOLASVILLE, KY 40356-8720 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 202 RINEY B WAY, NICHOLASVILLE, KY 40356-8890 |
| Document Number | 0000421288 |
|---|---|
| Date | Jul 27, 2022 |
| Instrument | 421288 |
| Name | PERSONS BANKING COMPANY |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jul 27, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Property Address | 305 E MAIN ST, WILMORE, KY 40390-1323 |
| Document Number | 0000392925 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 451 RICHARDSON LN NICHOLASVILLE KY 403568720, NICHOLASVILLE, KY 40356-8720 |
| Document Number | 0000392925 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 001422/000347 |
| Instrument | 392925 |
| Name | FIRST STHRN NAT'L BK |
|---|---|
| Type | Bank |
| Address | STANFORD, KY 40484 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Sep 23, 2023 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Recording Date | Sep 22, 2020 |
| Property Address | 305 E MAIN ST, WILMORE, KY 40390-1323 |
| Document Number | 0000392835 |
| Book / Page | 000814 / 000608 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 392835 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 451 RICHARDSON LN NICHOLASVILLE KY 403568720, NICHOLASVILLE, KY 40356-8720 |
Source: Jessamine County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Jessamine County |
| Municipality | Wilmore City |
| Unified School District | Jessamine County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,072.00 (-1.43%) | $389,000 (-) Land $40,000 Building $349,000 | $389,000 (-) Land $40,000 Building $349,000 |
| 2023 | $4,131.00 | $389,000 Land $40,000 Building $349,000 | $389,000 Land $40,000 Building $349,000 |
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 in force |
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WILMORE WATER WORKS serves 5,762 people · EPA ID KY0570010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2024 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 245 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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