Pendleton County property record for 39 Old Stepstone Rd, California, KY 41007
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,584 sqft · built 1985 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Sep 2025) |
| Tax Bill | $2,403 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-00-00-031.02 |
| Primary APN | 055-00-00-031.02 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Street Address | 39 OLD STEPSTONE RD |
|---|---|
| City | CALIFORNIA |
| State | KY |
| Zip | 41007-8928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 ACRES & HOUSE |
| Jurisdiction | PENDLETON KY |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 930101 |
39 Old Stepstone Rd is owned and occupied by an individual who bought it in September 2025.
Source: Pendleton County records, as of October 20, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| 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 |
|---|---|
| Apr 10, 2025 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Apr 17, 2024 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Sep 19, 2025 | Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on File |
| Deed Sale | Sep 19, 2025 · Amount on File |
| Deed Document Number | 626885 |
| Deed Book / Page | 390 / 601 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2025 |
| Name | Verified Name |
|---|---|
| Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| Document Number | 000441/207 |
|---|---|
| Date | Apr 10, 2025 |
| Book Page | 441/207 |
| Instrument | 587737 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Mar 30, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2025 |
| Name | Verified Name |
|---|---|
| Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| Document Number | 0000433/66 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 433/66 |
| Instrument | 585094 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 7, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDLETON KY |
| Recording Date | Sep 19, 2025 |
| Property Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| Document Number | 000390/601 |
| Book / Page | 390 / 601 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 626885 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2025 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1002 CLOS RD, FALMOUTH, KY 41040-2003 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 39 OLD STEPSTONE RD, CALIFORNIA, KY 41007-8928 |
| Document Number | 0000626886 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 626886 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 000445/787 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 445/787 |
| Instrument | 626941 |
| Name | ANDREW J BANKEMPER ETUX |
|---|---|
| Type | Private Party |
| Address | 1002 CLOS RD, FALMOUTH, KY 41040 |
| Amount | Amount on Record |
|---|---|
| Term | 13 Months |
| Due | Sep 30, 2026 |
The 2025 property tax bill for 39 Old Stepstone Rd was $2,403.
Source: Pendleton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Pendleton County |
| Unified School District | Pendleton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,403.00 | $179,000 | $179,000 |
| 2023 | $2,488.00 | $179,000 | $179,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 39 Old Stepstone Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 18, 2013 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 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 risk around 39 Old Stepstone Rd is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST PENDLETON WATER DISTRICT serves 5,515 people · EPA ID KY0960112 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2016 |
|---|---|
| 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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