319 E High St, Warsaw, KY 41095 Property Records

Gallatin County property record for 319 E High St, Warsaw, KY 41095

Property Summary

Property Type	Apartments (5+ Units)
Details	5,568 sqft · built 1995
Lot Size	1.79 acres (78,060 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Nov 2020)
Tax Bill	$6,372 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13A-36-01`

Property Details

APN / Parcel Number

Primary APN	`13A-36-01`
Alternative APN	`6627-1`

Interior

Units	6 Units
Stories	2 Stories
Building Area	5,568 sqft Living Area
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	78,060 sqft (1.79 acres)
Terrain	Rolling
Driveway	Concrete Driveway
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	6627-1
Street Address	319 E HIGH ST
City	WARSAW
State	KY
Zip	41095-2038
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	COMMERCIAL
Legal Description	1.7922 AC & 2 APARTMENT BUILDINGS
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1004
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

319 E High St, a residential property, is owned by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 PILOTS DREAM DR, DRY RIDGE, KY 41035-9756
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Deed Document Number	202077532
Deed Book / Page	132 / 549
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	Nov 23, 2020
Property Address	319 E HIGH ST, WARSAW, KY 41095-2038
Document Number	00D132/549
Book / Page	D132 / 549
Instrument Date	Nov 23, 2020
Instrument	77532
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 CLEARVIEW LN, 240, CRITTENDEN, KY 41030-7312

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	120 PILOTS DREAM DR, DRY RIDGE, KY 41035-9756

Mortgage

Document Number	000M251376
Date	Nov 23, 2020
Instrument	M251/376

Lender

Name	CITIZENS UNION BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 23, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 319 E High St was $6,372.

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		$600,000 (-) Land $100,000 Building $500,000	$600,000 (-) Land $100,000 Building $500,000
2025	$6,372.00	$600,000 Land $100,000 Building $500,000	$600,000 Land $100,000 Building $500,000
2023	$6,432.00	$600,000 Land $100,000 Building $500,000	$600,000 Land $100,000 Building $500,000

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

Flood

FEMA maps place 319 E High St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · 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
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 319 E High 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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