4020 Main St, Mentor (California), KY 41007 Property Records

Campbell County property record for 4020 Main St, Mentor, KY 41007

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,560 sqft · built 1989
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (May 2008)
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`999-99-29-158.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-29-158.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	4020 MAIN ST
City	MENTOR
State	KY
Zip	41007-8437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.00 ACRES
Jurisdiction	CAMPBELL KY
Township / Civil Division	GRANTS LICK
Census Block Group	1
Census Block	1038
Census Tract	52002

Owner

Source: Campbell County records · APN 999-99-29-158.00

Assessment roll updated March 9, 2026 · Last verified April 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 File
Mailing Address	4020 MAIN ST, CALIFORNIA, KY 41007-8437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 08, 2008 · Amount on Record
Deed Sale	May 08, 2008 · Amount on Record
Prior Sale	Sep 01, 2006 · Amount on Record
Deed Document Number	200805 08 019 00091
Deed Book / Page	287 / 828
Last Transfer Date	Oct 18, 2013
Transfer Doc	0001900084
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4020 MAIN ST, MENTOR, KY 41007-8437
Transaction Type	Mortgage
Record Updated	Dec 08, 2025
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006005897
Date	Nov 20, 2025
Book Page	M1153/845
Instrument	6005897

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated March 9, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Mentor City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,788.00 (-0.67%)	$150,000 (-) Land $20,000 Building $130,000	$150,000 (-) Land $20,000 Building $130,000
2023	$1,800.00 (-4%)	$150,000 (-) Land $20,000 Building $130,000	$150,000 (-) Land $20,000 Building $130,000
2022	$1,875.00	$150,000 Land $20,000 Building $130,000	$150,000 Land $20,000 Building $130,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 24, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 16 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Based on FCC filings for 46 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
Water Source	Surface water
Last State Inspection	Oct 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.