3955 Contest Rd, Paducah, KY 42001 Property Records

McCracken County property record for 3955 Contest Rd, Paducah, KY 42001

Property Summary

Property Type	Single Family Home
Lot Size	1.18 acres (51,662 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Jul 2025)
Tax Bill	$1,680 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`089-10-00-029`

Property Details

APN / Parcel Number

Primary APN	`089-10-00-029`
Alternative APNs	`121831` `163971`

Interior

Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Roof Type	Gable
Lot Area	51,662 sqft (1.18 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	163971
Street Address	3955 CONTEST RD
City	PADUCAH
State	KY
Zip	42001-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-35-12A 1.186 AC CONTEST RD TR 2
Legal Subdivision	WAIVER OF SUBDIVISION
Legal Tract	2
Jurisdiction	MCCRACKEN KY
Township / Civil Division	PADUCAH
Census Block Group	1
Census Block	1009
Census Tract	31302

Owner

3955 Contest Rd is owned by two individuals who bought it in July 2025.

Source: McCracken County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 7036, PADUCAH, KY 42002-7036
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage FNB BANK NA
Dec 26, 2024	Deed of Trust, Mortgage · Line of Credit FNB BANK NA
Dec 26, 2024	Correction Deed · Line of Credit FNB BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2025 · Amount on File
Deed Sale	Jul 21, 2025 · Amount on File
Deed Document Number	2025719910
Deed Book / Page	1525 / 117
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCRACKEN KY
Property Address	3955 CONTEST RD, PADUCAH, KY 42001-8806
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 CONTEST RD, PADUCAH, KY 42001-8806

Mortgage

Document Number	0M1855/318
Date	Oct 1, 2025
Book Page	M1855/318
Instrument	725252

Lender

Name	FNB BANK NA
Type	Bank
Address	MAYFIELD, KY 42066

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCRACKEN KY
Property Address	3955 CONTEST RD, PADUCAH, KY 42001-8806
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 CONTEST RD, PADUCAH, KY 42001-8806

Mortgage

Document Number	0M1825/615
Date	Dec 26, 2024
Book Page	M1825/615
Instrument	707362

Lender

Name	FNB BANK NA
Type	Bank
Address	MAYFIELD, KY 42066

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	MCCRACKEN KY
Recording Date	Dec 26, 2024
Property Address	3955 CONTEST RD, PADUCAH, KY 42001-8806
Document Number	0D1514/147
Book / Page	D1514 / 147
Map Reference	MB K SEC 1285
Instrument Date	Dec 12, 2024
Instrument	707361
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 GHOLSON RD, WEST PADUCAH, KY 42086-9589

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3955 CONTEST RD, PADUCAH, KY 42001-8806

Mortgage

Document Number	0000707362
Date	Dec 26, 2024
Instrument	707362

Lender

Name	FNB BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3955 Contest Rd was $1,680.

Source: McCracken County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$268,000 (+55.81%)	$268,000 (+55.81%)
2025	$1,680.00	$172,000	$172,000
2023	$1,656.00 (-0.78%)	$172,000 (-)	$172,000 (-)
2022	$1,669.00	$172,000	$172,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3955 Contest Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective November 2, 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jan 2000 · 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

Wildfire risk around 3955 Contest Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PADUCAH WATER WORKS serves 65,004 people · EPA ID KY0730533
Water Source	Surface water
Last State Inspection	May 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Contest Rd

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