Mercer County property record for 396 Wheat School Rd, Salvisa, KY 40372
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft |
| Lot Size | 1.18 acres (51,401 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Aug 2024) |
| Tax Bill | $1,025 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Nov 2022 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041.00-00103.00 |
| Primary APN | 041.00-00103.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Family Room | Family Room |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 51,401 sqft (1.18 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 160 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Account Number | 29161 |
|---|---|
| Street Address | 396 WHEAT SCHOOL RD |
| City | SALVISA |
| State | KY |
| Zip | 40372-9628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHEAT SCHOOL RD H & L |
| Jurisdiction | MERCER KY |
| Township / Civil Division | SALVISA-MCAFEE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960100 |
396 Wheat School Rd is owned by an individual who bought it in August 2024.
Source: Mercer County records, as of May 27, 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 | Individual Name on File |
|---|---|
| Mailing Address | 981 OLD LOUISVILLE RD, SALVISA, KY 40372-9518 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · Commercial Mortgage MONTICELLO BANKING CO |
| Nov 2, 2022 | Commissioner's Deed, Foreclosure · Commercial Mortgage MONTICELLO BANKING CO |
| Jul 13, 2022 | Commissioner's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2024 · Amount on File |
| Deed Sale | Aug 14, 2024 · Amount on File |
| Prior Sale | Nov 2, 2022 · Amount on File |
| Deed Document Number | 202412031824 |
| Deed Book / Page | 384 / 84 |
| Prior Transfer Date | Jul 22, 2021 |
| Prior Transfer Doc | 0012008257 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER KY |
| Property Address | 396 WHEAT SCHOOL RD, SALVISA, KY 40372-9628 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M763/270 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | M763/270 |
| Instrument | 12016729 |
| Name | MONTICELLO BANKING CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Feb 2, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | MERCER KY |
| Recording Date | Nov 2, 2022 |
| Property Address | 396 WHEAT SCHOOL RD, SALVISA, KY 40372-9628 |
| Document Number | 00D376/734 |
| Book / Page | D376 / 734 |
| Map Reference | WB 57 PG 363 |
| Instrument Date | Nov 1, 2022 |
| Instrument | 12016594 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2417 W BROADWAY, LOUISVILLE, KY 40211-1007 |
| Document Number | 0012016729 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 12016729 |
| Name | MONTICELLO BANKING CO |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 303 Months |
| Due | Feb 2, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | MERCER KY |
| Recording Date | Jul 13, 2022 |
| Property Address | 396 WHEAT SCHOOL RD, SALVISA, KY 40372-9628 |
| Document Number | 00D375/390 |
| Book / Page | D375 / 390 |
| Map Reference | DB 234 PG 189 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 12014705 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2417 W BROADWAY, LOUISVILLE, KY 40211-1007 |
The 2025 property tax bill for 396 Wheat School Rd was $1,025, down 12.5% from the year before.
Source: Mercer County assessment roll, as of January 13, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Mercer County |
| Unified School District | Mercer County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,025.00 (-12.47%) | $210,000 Land $10,000 Building $200,000 | $210,000 Land $10,000 Building $200,000 |
| 2024 | $1,171.00 (-0.85%) | ||
| 2023 | $1,181.00 | $98,000 | $98,000 |
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 396 Wheat School Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · 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 | 1 in force |
| Nearby Flood Claims | 4 (1984–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, 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 risk around 396 Wheat School 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH MERCER WATER DISTRICT serves 9,775 people · EPA ID KY0840321 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2023 |
| Lead | 4 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2021 E. coli resolved · Jun 2020 |
|---|---|
| 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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