Lexington-Fayette Urban County property record for 3560 Cephas Way, Lexington, KY 40503
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,006 sqft · built 1989 |
| Lot Size | 0.164 acres (7,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $239,500 (Sep 2019) |
| Tax Bill | $3,317 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit Sep 2019 Mortgage + 2 more |
| APN | 20079620 |
| Primary APN | 20079620 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,006 sqft Living Area |
| Basement Area | 707 sqft |
| Finished Basement | 549 sqft |
| Unfinished Basement | 158 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Lot Area | 7,148 sqft (0.164 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3560 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 25; BOOK: 3696 PAGE: 441 |
| Legal Subdivision | STONE CREEK ESTATES |
| Legal Block | E |
| Legal Lot Number | 25 |
| Legal Unit | 6 |
| Jurisdiction | FAYETTE KY |
| Township / Civil Division | LEXINGTON-FAYETTE SOUTHWEST |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 4204 |
3560 Cephas Way is owned and occupied by two individuals who bought it in September 2019.
Source: Lexington-Fayette Urban County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3560 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 |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Sep 5, 2019 | Deed of Trust, Mortgage · Stand-Alone First Mortgage CBC NATL BK MTG |
| Apr 19, 2021 | Deed of Trust, Mortgage PENNYMAC LOAN SERV LLC |
| Sep 5, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2019 · Amount on File |
| Deed Sale | Sep 5, 2019 · Amount on File |
| Prior Sale | Nov 9, 2012 · Amount on File |
| Deed Book / Page | 3696 / 441 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE KY |
| Property Address | 3560 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 3560 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | MB10738/286 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | MB 10738/286 |
| Instrument | 202311270141 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE KY |
| Property Address | 3560 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 009404/124 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 9404/124 |
| Name | CBC NATL BK MTG |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE KY |
| Property Address | 3560 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032/534 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 0032/534 |
| Name | PENNYMAC LOAN SERV LLC |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE KY |
| Recording Date | Sep 5, 2019 |
| Property Address | 3560 CEPHAS WAY, LEXINGTON, KY 40503-4391 |
| Document Number | 3696/441 |
| Book / Page | 3696 / 441 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 3560 Cephas Way was $3,317, 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 | $3,317.00 (+2.31%) | $295,400 (-) | $295,400 (-) |
| 2025 | $3,242.00 | $295,400 | $295,400 |
| 2023 | $2,628.00 | $239,500 | $239,500 |
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 3560 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.
The area around 3560 Cephas Way has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 533 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 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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