32 Larry Ln, Wickliffe, KY 42087 Property Records

Ballard County property record for 32 Larry Ln, Wickliffe, KY 42087

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,956 sqft · built 1995
Lot Size	2.28 acres (99,317 sqft)
Owner	2 Individual Names on File
Tax Bill	$789 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-22-03`

Property Details

APN / Parcel Number

Primary APN	`37-22-03`
Alternative APN	`3731`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,956 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	99,317 sqft (2.28 acres)
Lot Dimensions	315 ft deep x 315 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Patio Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	32 LARRY LN
City	WICKLIFFE
State	KY
Zip	42087-9344
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	BALLARD KY
Township / Civil Division	LA CENTER
Census Block Group	4
Census Block	4041
Census Tract	950100

Owner

32 Larry Ln is owned and occupied by two individuals who acquired it in June 2017.

Source: Ballard County records, as of November 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
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
Aug 14, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING
Apr 30, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 21, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 21, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 14, 2017	Intrafamily Transfer, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 26, 2017
Transfer Doc	114/149
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Recording Date	Aug 14, 2026
Property Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
Document Number	0150000415
Book / Page	150 / 415
Instrument Date	Jun 13, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LARRY LN, WICKLIFFE, KY 42087-9344

Mortgage

Document Number	0150000415,
Date	Aug 14, 2026
Book Page	150/415

Lender

Name	UNITED MORTGAGE LENDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	114/549
Date	Apr 30, 2021
Book Page	114/549
Instrument	522324

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
Transaction Type	Mortgage
Record Updated	Aug 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	107/514
Date	Jul 21, 2020
Book Page	107/514
Instrument	520949

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
Transaction Type	Mortgage
Record Updated	Nov 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	102/103
Date	Oct 21, 2019
Book Page	102/103
Instrument	267343

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALLARD KY
Recording Date	Jul 14, 2017
Property Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
Document Number	114/149
Book / Page	114 / 149
Instrument Date	Jun 26, 2017
Transaction Type	Transfer
Record Updated	May 10, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LARRY LN, WICKLIFFE, KY 42087-9344
Investor	Possibly a Property Investor

Mortgage

Document Number	091081
Date	Jul 14, 2017
Instrument	091/081

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 32 Larry Ln was $789.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$789.00	$127,000	$127,000
2023	$830.00 Additional exemption filed	$127,000	$127,000

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

Flood

FEMA maps place 32 Larry Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 7, 2014

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 32 Larry Ln is low, with less than 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 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ballard Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Larry Ln

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