3540 Cornwall Dr, Lexington, KY 40503 Property Records

Lexington-Fayette Urban County property record for 3540 Cornwall Dr, Lexington, KY 40503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,125 sqft · built 1972
Lot Size	0.425 acres (18,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jul 2025)
Tax Bill	$5,680 (2026)
Deeds & Mortgages	May 2013 Mortgage Apr 2005 Mortgage + 3 more
APN	`25561100`

Property Details

APN / Parcel Number

Primary APN	`25561100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,125 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Lot Area	18,522 sqft (0.425 acres)
Lot Width	124 ft Width
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3540 CORNWALL DR
City	LEXINGTON
State	KY
Zip	40503-4148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1C
Legal Description	WAVERLY ESTATES UNIT 1 LOT 19; BOOK: 3444 PAGE: 696
Legal Subdivision	WAVERLY ESTATES
Legal Block	D
Legal Lot Number	19
Legal Unit	1
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE SOUTHWEST
Census Block Group	2
Census Block	2023
Census Tract	3600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 7, 2013	Deed of Trust, Mortgage PEOPLES EXCHANGE BK
Apr 25, 2005	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE BLUEGRASS & TRUST CO
Jan 14, 2008	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Jan 7, 2026	Deed, Transfer · Conventional Mortgage TRADITIONAL BANK INC
May 26, 2023	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	May 26, 2023 · Amount on Record
Deed Document Number	2025218
Deed Book / Page	4139 / 262
Transfer Doc	003416/460
Record Updated	Oct 29, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007794/240
Date	May 7, 2013
Book Page	7794/240

Lender

Name	PEOPLES EXCHANGE BK

Agreement

Amount	Amount Recorded

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005274/358
Date	Apr 25, 2005
Book Page	5274/358
Instrument	200504250351

Lender

Name	BANK OF THE BLUEGRASS & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006275/589
Date	Jan 14, 2008
Book Page	6275/589
Instrument	200801140092

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Jan 7, 2026
Property Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148
Document Number	DB4171/353
Book / Page	DB 4171 / 353
Map Reference	CAB B SL 44
Instrument Date	Nov 11, 2025
Instrument	202601070103
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3540 CORNWALL DRIVE, LEXINGTON, KY 40503-4148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148

Mortgage

Document Number	0MB1113599
Date	Jan 7, 2026
Instrument	MB 11135/99

Lender

Name	TRADITIONAL BANK INC
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	May 26, 2023
Property Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148
Document Number	DB4018/639
Book / Page	DB 4018 / 639
Map Reference	CAB B SL 44
Instrument Date	May 22, 2023
Instrument	202305260101
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19755 W BITTERSWEET LN, NEW BERLIN, WI 53146-3002

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3540 CORNWALL DR, LEXINGTON, KY 40503-4148

Mortgage

Document Number	202305260102
Date	May 26, 2023
Instrument	202305260102

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$5,680.00 (+31.45%)	$510,000 (+28.46%)	$510,000 (+28.46%)
2025	$4,321.00 (+33.28%)	$397,000 (+15.31%)	$397,000 (+15.31%)
2023	$3,242.00 (-5.15%) Homeowner's exemption	$344,300 (-)	$344,300 (-)
2022	$3,418.00 Homeowner's exemption	$344,300	$344,300

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	5 in force

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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% 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	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 353 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

May also be available: T-Mobile.

Nearby Properties on Cornwall Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures