321 McDowell Rd, Lexington, KY 40502 Property Records

Lexington-Fayette Urban County property record for 321 McDowell Rd, Lexington, KY 40502

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,565 sqft · built 1923
Lot Size	0.237 acres (10,302 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Aug 2026)
Tax Bill	$6,299 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2023 Line of Credit + 1 more
APN	`13573100`

Property Details

APN / Parcel Number

Primary APN	`13573100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,565 sqft Living Area
Basement Area	919 sqft
Finished Basement	66 sqft
Unfinished Basement	919 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	10,302 sqft (0.237 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	321 MCDOWELL RD
City	LEXINGTON
State	KY
Zip	40502-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	E-266 267 ASHLAND PARK ADDITION NO. 2 REVISED LOT 9 10; BOOK: 3405 PAGE: 594
Legal Subdivision	ASHLAND PARK ADDITION
Legal Block	L
Legal Lot Number	9-10
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	2
Census Block	2008
Census Tract	600

Historic Designation

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

Historic District	Within the Ashland Park Historic District listed 1986 · 505 contributing resources · NRIS 86000755

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

Owner

Source: Lexington-Fayette Urban County records, as of October 20, 2026

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
Mailing Address	321 MCDOWELL RD, LEXINGTON, KY 40502-1823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC
Dec 11, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Dec 11, 2023 · Amount on Record
Deed Document Number	20260828137
Deed Book / Page	4214 / 626
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Aug 28, 2026
Property Address	321 MCDOWELL RD, LEXINGTON, KY 40502-1823
Document Number	0000000137
Book / Page	4214 / 626
Instrument Date	Aug 25, 2026
Instrument	20260828137
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 MCDOWELL RD, LEXINGTON, KY 40502-1823

Mortgage

Document Number	0000000138,
Date	Aug 28, 2026
Instrument	20260828138

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	321 MCDOWELL RD, LEXINGTON, KY 40502-1823
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 MCDOWELL RD, LEXINGTON, KY 40502-1823

Mortgage

Document Number	MB10628/38
Date	Apr 13, 2023
Book Page	MB 10628/38
Instrument	202304130171

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Dec 11, 2023
Property Address	321 MCDOWELL RD, LEXINGTON, KY 40502-1823
Document Number	DB4050/180
Book / Page	DB 4050 / 180
Map Reference	CAB E SL 266&267
Instrument Date	Dec 1, 2023
Instrument	202312110142
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	309 GREENBRIAR RD, LEXINGTON, KY 40503-2635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3150 COMBS FERRY RD, LEXINGTON, KY 40509-9519

Tax Assessment & Valuation

Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Municipality	Lexington-Fayette Urban County
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,299.00 (+1.88%)	$500,000 (-)	$500,000 (-)
2025	$6,183.00 (+39.29%)	$500,000 (+39.28%)	$500,000 (+39.28%)
2023	$4,439.00	$359,000	$359,000

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

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1978–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 97% of the US · lower than 97.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 615 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Windstream.

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