Lexington-Fayette Urban County property record for 3540 Cephas Way, Lexington, KY 40503
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,078 sqft · built 1989 |
| Lot Size | 0.164 acres (7,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,500 (Aug 2023) |
| Tax Bill | $4,884 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2023 Mortgage + 2 more |
| APN | 20079570 |
| Primary APN | 20079570 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,078 sqft Living Area |
| 1st Floor Area | 62 sqft |
| Basement Area | 868 sqft |
| Finished Basement | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,148 sqft (0.164 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 160 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3540 CEPHAS WAY |
|---|---|
| City | LEXINGTON |
| State | KY |
| Zip | 40503-4391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1D |
| Legal Description | H-374 STONE CREEK ESTATES UNIT 6 LOT 20; BOOK: 3190 PAGE: 507 |
| Legal Subdivision | STONE CREEK ESTATES |
| Legal Block | E |
| Legal Lot Number | 20 |
| Legal Unit | 6 |
| Jurisdiction | FAYETTE KY |
| Township / Civil Division | LEXINGTON-FAYETTE SOUTHWEST |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 4204 |
3540 Cephas Way is owned and occupied by an individual who bought it in August 2023.
Source: Lexington-Fayette Urban County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| 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.
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION |
| Aug 16, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage SOUTH CENTRAL BANK |
| May 10, 2023 | Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Apr 6, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2023 · Amount on File |
| Deed Sale | Aug 16, 2023 · Amount on File |
| Prior Sale | May 10, 2023 · Amount on File |
| Deed Document Number | 2023148 |
| Deed Book / Page | 4032 / 155 |
| Prior Transfer Date | Aug 9, 2023 |
| Prior Transfer Doc | DB4032/155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE KY |
| Property Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | MB11077/548 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | MB 11077/548 |
| Instrument | 202509290092 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | Aug 16, 2023 |
| Property Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | DB4032/155 |
| Book / Page | DB 4032 / 155 |
| Map Reference | CAB H SL 374 |
| Instrument Date | Aug 9, 2023 |
| Instrument | 202308160148 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Tax | $100.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | 202308160149 |
|---|---|
| Date | Aug 16, 2023 |
| Instrument | 202308160149 |
| Name | SOUTH CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | May 10, 2023 |
| Property Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | DB4015/672 |
| Book / Page | DB 4015 / 672 |
| Map Reference | CAB H SL 374 |
| Instrument Date | May 5, 2023 |
| Instrument | 202305100114 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1585 PINE NEEDLES LN, LEXINGTON, KY 40513-1503 |
| Name | Verified Name |
|---|---|
| Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | 202305100115 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 202305100115 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | Apr 6, 2022 |
| Property Address | 3540 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | 003928/705 |
| Book / Page | 3928 / 705 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 3540 Cephas Way was $4,884, up 2.3% from the year before.
Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County / Municipality | Lexington-Fayette Urban County |
| Unified School District | Fayette County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,884.00 (+2.3%) | $435,000 (-) | $435,000 (-) |
| 2025 | $4,774.00 | $435,000 | $435,000 |
| 2023 | $2,634.00 (+16.39%) | $240,000 (-) | $240,000 (-) |
| 2022 | $2,263.00 Homeowner's exemption | $240,000 | $240,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3540 Cephas Way; there have been 5 flood claims nearby since 1992.
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 | 6 in force |
| Nearby Flood Claims | 5 (1992–2023) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Jan 2023 · rainfall accumulation |
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 risk around 3540 Cephas Way 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 479 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
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