400 E Marks Ridge Rd, Garfield, KY 40140 Property Records

Breckinridge County property record for 400 E Marks Ridge Rd, Garfield, KY 40140

Property Summary

Property Type	Other Improved
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$10,000 (Aug 2022)
Tax Bill	$1,693 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`127-23A-2`

Property Details

APN / Parcel Number

Primary APN	`127-23A-2`
Alternative APNs	`33228` `34436` `36065`

Exterior

Lot Area	109,336 sqft (2.51 acres)

Location & Zoning

Account Number	36065
Street Address	400 E MARKS RIDGE RD
City	GARFIELD
State	KY
Zip	40140-5235
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LAND & DW
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	MCDANIELS-HUDSON
Census Block Group	1
Census Block	1032
Census Tract	960501

Owner

Source: Breckinridge County records, as of November 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Line of Credit MEADE COUNTY BANK
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit MEADE COUNTY BANK
Feb 29, 2024	Deed, Transfer · Line of Credit RUOFF MORTGAGE COMPANY INC
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit MEADE COUNTY BANK
Aug 10, 2022	Intrafamily Transfer, Transfer · Line of Credit MEADE COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	2022909308
Deed Book / Page	451 / 96
Prior Transfer Date	Jul 26, 2022
Prior Transfer Doc	000D451/96
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Mortgage

Document Number	00M518/678
Date	Jan 12, 2022
Book Page	M518/678
Instrument	2020906089

Lender

Name	MEADE COUNTY BANK
Type	Bank
Address	BRANDENBURG, KY 40108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 31, 2022

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Mortgage

Document Number	00M532/670
Date	Sep 6, 2022
Book Page	M532/670
Instrument	2020909705

Lender

Name	MEADE COUNTY BANK
Type	Bank
Address	BRANDENBURG, KY 40108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Jul 26, 2042

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Feb 29, 2024
Property Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Document Number	000D464/56
Book / Page	D464 / 56
Instrument Date	Feb 29, 2024
Instrument	2020924747
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Mail Care Of	AARON DUNCAN AND AMBER DUNCAN
Investor	Possibly a Property Investor

Mortgage

Document Number	00M558/367
Date	Feb 29, 2024
Book Page	M558/367
Instrument	2020924751

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	1670 MAGNAVOX WAY, FORT WAYNE, IN 46804

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Mortgage

Document Number	00M531/552
Date	Aug 10, 2022
Book Page	M531/552
Instrument	2020909309

Lender

Name	MEADE COUNTY BANK
Type	Bank
Address	BRANDENBURG, KY 40108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jul 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRECKINRIDGE KY
Recording Date	Aug 10, 2022
Property Address	400 E MARKS RIDGE RD, GARFIELD, KY 40140-5235
Document Number	000D451/96
Book / Page	D451 / 96
Instrument Date	Jul 26, 2022
Instrument	2020909308
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Mortgage

Document Number	000M531552
Date	Aug 10, 2022
Instrument	M531/552

Lender

Name	MEADE COUNTY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jul 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Breckinridge County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,693.00 (+5.02%)	$175,000 (+2.94%) Land $15,000 Building $160,000	$175,000 (+2.94%) Land $15,000 Building $160,000
2023	$1,612.00 (+1,993.51%)	$170,000 (+4,15%) Land $10,000 Building $160,000	$170,000 (+4,15%) Land $10,000 Building $160,000
2022	$77.00	$4,000 Land $4,000	$4,000 Land $4,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · 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	3 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

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	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	HARDINSBURG RO WTP serves 18,437 people · EPA ID KY0140966
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brandenburg Telecom Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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