Laurel County property record for 40 Bern Rd, London, KY 40741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,755 sqft · built 1994 |
| Lot Size | 1.54 acres (67,082 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $171,900 (Sep 2015) |
| Tax Bill | $1,648 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-10-00-071.00 |
| Primary APN | 049-10-00-071.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,755 sqft Living Area |
| Gross Area | 2,925 sqft |
| Basement Area | 1,170 sqft |
| Finished Basement | 1,170 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 67,082 sqft (1.54 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 216 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 321030 |
|---|---|
| Street Address | 40 BERN RD |
| City | LONDON |
| State | KY |
| Zip | 40741-9271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | SWITZERLAND TRACE SD LOTS #16,34 & HOUSE |
| Legal Subdivision | SWITZERLAND TRACE |
| Legal Lot Number | 16,34 |
| Jurisdiction | LAUREL KY |
| Township / Civil Division | COLONY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 970300 |
40 Bern Rd is owned and occupied by two individuals who bought it in September 2015.
Source: Laurel County records, as of June 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 BERN RD, LONDON, KY 40741-9271 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2015 · Amount on File |
| Deed Sale | Sep 21, 2015 · Amount on File |
| Deed Document Number | 2015514944 |
| Deed Book / Page | 713 / 826 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUREL KY |
| Recording Date | May 28, 2026 |
| Property Address | 40 BERN RD, LONDON, KY 40741-9271 |
| Document Number | 0000631975 |
| Book / Page | 1463 / 758 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026631975 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 40 BERN RD, LONDON, KY 40741-9271 |
| Document Number | 0000631975, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 1463/758 |
| Instrument | 2026631975 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 22, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.58% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 40 Bern Rd was $1,648.
Source: Laurel County assessment roll, as of December 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Laurel County |
| Unified School District | Laurel County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,648.00 | $211,900 Land $21,900 Building $190,000 | $211,900 Land $21,900 Building $190,000 |
| 2023 | $1,517.00 | $191,900 | $191,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Bern Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 40 Bern Rd is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 81% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.3% 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 | WOOD CREEK WATER DISTRICT serves 14,892 people · EPA ID KY0630477 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| 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 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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