346 Lutes Rd, Paducah, KY 42001 Property Records

McCracken County property record for 346 Lutes Rd, Paducah, KY 42001

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1978
Lot Size	0.033 acres (1,416 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Nov 2025)
Tax Bill	$1,622 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`078-40-03-008`

Property Details

APN / Parcel Number

Primary APN	`078-40-03-008`
Alternative APN	`2345`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,416 sqft Living Area
Basement Area	120 sqft
Unfinished Basement	120 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,416 sqft (0.033 acres)
Garage Type	Detached
Porch	Slab
Porch Area	386 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	2345
Street Address	346 LUTES RD
City	PADUCAH
State	KY
Zip	42001-6116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-27B-28 100X193X107X197 LUTES RD
Jurisdiction	MCCRACKEN KY
Township / Civil Division	PADUCAH
Census Block Group	2
Census Block	2014
Census Tract	31302

Owner

346 Lutes Rd is owned and occupied by an individual who bought it in November 2025.

Source: McCracken County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	346 LUTES RD, PADUCAH, KY 42001-6116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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	Name on Deed
Last Sale	Nov 5, 2025 · Amount on File
Deed Sale	Nov 5, 2025 · Amount on File
Deed Document Number	2025727650
Deed Book / Page	1532 / 162
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCRACKEN KY
Recording Date	Nov 5, 2025
Property Address	346 LUTES RD, PADUCAH, KY 42001-6116
Document Number	0D1532/162
Book / Page	D1532 / 162
Map Reference	MB G PG 436
Instrument Date	Oct 31, 2025
Instrument	727650
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 KIMBERLY DR, PADUCAH, KY 42001-5636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 LUTES RD, PADUCAH, KY 42001-6116

Mortgage

Document Number	0000727651
Date	Nov 5, 2025
Instrument	727651

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 346 Lutes Rd was $1,622 with a homeowner's exemption, down 2.5% from the year before.

Source: McCracken County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,000 (+44.19%)	$310,000 (+44.19%)
2025	$1,622.00 (-2.52%) Homeowner's exemption	$215,000 (-)	$215,000 (-)
2024	$1,664.00 (+2.53%) Homeowner's exemption	$215,000 (-)	$215,000 (-)
2023	$1,623.00 (-4.19%) Homeowner's exemption	$215,000 (+23.21%)	$215,000 (+23.21%)
2022	$1,694.00 Homeowner's exemption	$174,500	$174,500

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

Flood

FEMA maps place 346 Lutes Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective November 2, 2011 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2017 · river or lake flooding

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 346 Lutes Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	PADUCAH WATER WORKS serves 65,004 people · EPA ID KY0730533
Water Source	Surface water
Last State Inspection	May 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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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