306 Pendleton St, Falmouth, KY 41040 Property Records

Pendleton County property record for 306 Pendleton St, Falmouth, KY 41040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,521 sqft · built 1948
Lot Size	0.26 acres (11,315 sqft)
Owner	2 Individual Names on Record
Tax Bill	$894 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`042-70-17-025.00`

Property Details

APN / Parcel Number

Primary APN	`042-70-17-025.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,521 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,315 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 70 ft wide
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	306 PENDLETON ST
City	FALMOUTH
State	KY
Zip	41040-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 LOTS & HOUSE
Legal Subdivision	CHIPMANS ESTATE
Jurisdiction	PENDLETON KY
Township / Civil Division	FALMOUTH
Census Block Group	3
Census Block	3006
Census Tract	930300

Owner

Source: Pendleton County records, as of July 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Apr 17, 2026	Quit Claim Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Apr 17, 2026	Quit Claim Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Apr 15, 2021	Deed, Transfer · Seller Carry-Back SAM W ARNOLD III ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026
Deed Sale	Apr 17, 2026
Prior Sale	Apr 15, 2021 · Amount on Record
Deed Document Number	2026649604
Deed Book / Page	394 / 111
Prior Transfer Date	Apr 10, 2026
Prior Transfer Doc	000394/111
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDLETON KY
Property Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000428/570
Date	Sep 11, 2023
Book Page	428/570
Instrument	581791

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PENDLETON KY
Recording Date	Apr 17, 2026
Property Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Document Number	0000649604
Book / Page	394 / 111
Instrument Date	Apr 10, 2026
Instrument	2026.649604
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	IN TITLE, FIN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Investor	Possibly a Property Investor

Mortgage

Document Number	0000649605,
Date	Apr 17, 2026
Instrument	2026.649605

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PENDLETON KY
Recording Date	Apr 17, 2026
Property Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Document Number	000394/111
Book / Page	394 / 111
Instrument Date	Apr 10, 2026
Instrument	2026649604
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	IN TITLE, FIN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Investor	Possibly a Property Investor

Mortgage

Document Number	0000649605,
Date	Apr 17, 2026
Instrument	2026649605

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PENDLETON KY
Recording Date	Apr 15, 2021
Property Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020
Document Number	D363/536
Book / Page	D363 / 536
Map Reference	MB 80 PG 1
Instrument Date	Apr 8, 2021
Instrument	565727
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 COURT ST, 103, CYNTHIANA, KY 41031-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 PENDLETON ST, FALMOUTH, KY 41040-1020

Mortgage

Document Number	565728
Date	Apr 15, 2021
Instrument	565728

Lender

Name	SAM W ARNOLD III ETAL
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	23 Months
Due	Mar 1, 2023

Tax Assessment & Valuation

Source: Pendleton County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Pendleton County
Municipality	Falmouth City
Unified School District	Pendleton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$894.00 (-3.66%)	$72,000 (-)	$72,000 (-)
2023	$928.00	$72,000	$72,000

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 June 18, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 60 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	125 (1997–2025)
Claims Outside the SFHA	1 of 125
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 11 claims Severe Storms And Flooding, Feb 2000 · 6 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 106 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

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	PENDLETON CO WATER DISTRICT #1 / NORTH serves 1,485 people · EPA ID KY0960348
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) 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 218 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	1,000 / 1,000

May also be available: Verizon.

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