402 E High St, Warsaw, KY 41095 Property Records

Gallatin County property record for 402 E High St, Warsaw, KY 41095

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 896 sqft · built 1959
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2026)
Tax Bill	$1,630 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13A-37-03`

Property Details

APN / Parcel Number

Primary APN	`13A-37-03`
Alternative APNs	`7375-1` `7466-1`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	101 ft deep x 48 ft wide
Driveway	Gravel Driveway
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	7466-1
Street Address	402 E HIGH ST
City	WARSAW
State	KY
Zip	41095-2078
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	.11 AC & HOUSE
Legal Subdivision	STEVENSONS SECOND ADDITION
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1012
Census Tract	960103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Warsaw Historic District listed 1982 · 118 contributing resources · NRIS 82002699

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Gallatin County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	113 PARK AVE, WARSAW, KY 41095-2020
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed, Transfer · FHA Mortgage MORTGAGE CENTER LLC
Dec 6, 2022	Deed, Transfer FIRST NATIONAL BANK OF KENTUCKY
Sep 12, 2022	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 24, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO
Sep 9, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Dec 6, 2022 · Amount on Record
Deed Document Number	2026114439
Deed Book / Page	146 / 395
Prior Transfer Date	Jun 8, 2016
Prior Transfer Doc	00D129/592
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GALLATIN KY
Recording Date	Sep 30, 2026
Property Address	402 E HIGH ST, WARSAW, KY 41095-2078
Document Number	0000114439
Book / Page	146 / 395
Instrument Date	Sep 28, 2026
Instrument	2026114439
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$19,695.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 PARK AVE, WARSAW, KY 41095-2020

Mortgage

Document Number	0000114440,
Date	Sep 30, 2026
Instrument	2026114440

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000114441,
Date	Sep 30, 2026
Book Page	292/390
Instrument	2026114441

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GALLATIN KY
Recording Date	Dec 6, 2022
Property Address	402 E HIGH ST, WARSAW, KY 41095-2078
Document Number	0000D138/1
Book / Page	D138 / 1
Map Reference	MB 13 PG 462
Instrument Date	Dec 2, 2022
Instrument	87001
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1061 DUVAL ST, LEXINGTON, KY 40515-6283

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	PO BOX 230, WARSAW, KY 41095-0230

Mortgage

Document Number	0000087002
Date	Dec 6, 2022
Instrument	87002

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2052

Interest

Rate Type	Adjustable Rate

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GALLATIN KY
Recording Date	Sep 12, 2022
Property Address	402 E HIGH ST, WARSAW, KY 41095-2078
Document Number	00D137/315
Book / Page	D137 / 315
Map Reference	MB 13 PG 462
Instrument Date	Sep 1, 2022
Instrument	85993
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3401 KY HIGHWAY 455, 3401, SPARTA, KY 41086-9531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E HIGH ST, WARSAW, KY 41095-2078

Mortgage

Document Number	0000085994
Date	Sep 12, 2022
Instrument	85994

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	May 24, 2021
Property Address	402 E HIGH ST, WARSAW, KY 41095-2078
Document Number	00D133/604
Book / Page	D133 / 604
Map Reference	MB 13 PG 462
Instrument Date	May 14, 2021
Instrument	79680
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3555 KY HIGHWAY 184, 3555, GHENT, KY 41045-9030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E HIGH ST, WARSAW, KY 41095-2078

Mortgage

Document Number	000M255766
Date	May 24, 2021
Instrument	M255/766

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GALLATIN KY
Recording Date	Sep 9, 2019
Property Address	402 E HIGH ST, WARSAW, KY 41095-2078
Document Number	00D129/592
Book / Page	D129 / 592
Map Reference	MB 13 PG 462
Instrument Date	Jun 8, 2016
Instrument	74430
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	PO BOX 616, WARSAW, KY 41095-0616

Tax Assessment & Valuation

Source: Gallatin County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Gallatin County
Municipality	Warsaw City
Unified School District	Gallatin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$153,500 (-) Land $12,000 Building $141,500	$153,500 (-) Land $12,000 Building $141,500
2025	$1,630.00 (-0.91%)	$153,500 (-) Land $12,000 Building $141,500	$153,500 (-) Land $12,000 Building $141,500
2023	$1,645.00	$153,500 Land $12,000 Building $141,500	$153,500 Land $12,000 Building $141,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2018–2025)
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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WARSAW WATER WORKS serves 1,988 people · EPA ID KY0390444
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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