382 Lambert Holw, Clearfield, KY 40313 Property Records

Rowan County property record for 382 Lambert Holw, Clearfield, KY 40313

Property Summary

Property Type	Single Family Home
Details	980 sqft · built 1994
Lot Size	1.19 acres (51,836 sqft)
Owner	Company Name on Record
Last Sale	$77,000 (Sep 2024)
Tax Bill	$1,044 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`114-00 00 031.10`

Property Details

APN / Parcel Number

Primary APN	`114-00 00 031.10`
Alternative APNs	`6974` `6982` `6276`

Interior

Building Area	980 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	51,836 sqft (1.19 acres)

Location & Zoning

Account Number	6276
Street Address	382 LAMBERT HOLW
City	CLEARFIELD
State	KY
Zip	40313-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 11 LAMBERT HOLLOW
Legal Subdivision	ROBERT & RUTH WORKSMANS ESTATES
Legal Lot Number	11
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2030
Census Tract	950400

Owner

Source: Rowan County records, as of November 18, 2025

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	Company Name on Record
Mailing Address	120 CAPITAL CT, NICHOLASVILLE, KY 40356-2177
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 5, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 9, 2018	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 19, 2017	Special Warranty Deed, Foreclosure TITLE 365, TITLE365

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Nov 9, 2018 · Amount on Record
Deed Document Number	20242032083
Deed Book / Page	293 / 154
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	382 LAMBERT HOLW, CLEARFIELD, KY 40313-9010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A427/473
Date	Dec 9, 2020
Book Page	A427/473
Instrument	2007516

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Apr 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	382 LAMBERT HOLW, CLEARFIELD, KY 40313-9010
Transaction Type	Mortgage
Record Updated	Mar 20, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A415/491
Date	Mar 5, 2020
Book Page	A415/491
Instrument	2004101

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Nov 9, 2018
Property Address	382 LAMBERT HOLW, CLEARFIELD, KY 40313-9010
Document Number	00D269/735
Book / Page	D269 / 735
Instrument Date	Nov 5, 2018
Instrument	411861
Transaction Type	Transfer
Record Updated	Jan 4, 2022
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	$104.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 ABERDEEN LN, 33, CLEARFIELD, KY 40313-9641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 LAMBERT HOLW, CLEARFIELD, KY 40313-9010

Mortgage

Document Number	0000411863
Date	Nov 9, 2018
Instrument	411863

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

May 2017: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	May 19, 2017
Property Address	382 LAMBERT HOLW, CLEARFIELD, KY 40313-9010
Document Number	00D264/165
Book / Page	D264 / 165
Instrument Date	Feb 7, 2017
Instrument	405184
Transaction Type	Foreclosure
Record Updated	Jan 4, 2022
Title Company	TITLE 365, TITLE365

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7105 CORPORATE DR, 7105, PLANO, TX 75024-4100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420
Mail Care Of	INFORMATION SYSTEMS NETWORKS CORP

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,044.00 (+17.3%)	$124,800 (+19.43%) Land $12,000 Building $112,800	$124,800 (+19.43%) Land $12,000 Building $112,800
2023	$890.00	$104,500 Land $12,000 Building $92,500	$104,500 Land $12,000 Building $92,500

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, effective April 18, 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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2010–2015)
Most Recent Claim	Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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	ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375
Water Source	Purchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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