403 E High St, Warsaw, KY 41095 Property Records

Gallatin County property record for 403 E High St, Warsaw, KY 41095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,710 sqft
Lot Size	1.28 acres (56,018 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jul 2019)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2019 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`13A-36-04`

Property Details

APN / Parcel Number

Primary APN	`13A-36-04`
Alternative APN	`6128-1`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,710 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	56,018 sqft (1.28 acres)
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	313 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6128-1
Street Address	403 E HIGH ST
City	WARSAW
State	KY
Zip	41095-2079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1.286 AC & HOUSE
Legal Subdivision	PAYNE SUBDIVISION
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1005
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 494, WARSAW, KY 41095-0494
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF KENTUCKY
Mar 2, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF KENTUCKY
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	201974180
Deed Book / Page	129 / 328
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Recording Date	Jul 8, 2026
Property Address	403 E HIGH ST, WARSAW, KY 41095-2079
Document Number	0000112749
Book / Page	290 / 343
Instrument Date	Jun 26, 2026
Instrument	2026112749
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELLITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E HIGH ST, WARSAW, KY 41095-2079

Mortgage

Document Number	0000112749,
Date	Jul 8, 2026
Book Page	290/343
Instrument	2026112749

Lender

Name	CITIZENS BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Property Address	403 E HIGH ST, WARSAW, KY 41095-2079
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M241/557
Date	Aug 19, 2019
Book Page	M241/557
Instrument	74355

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	CARROLLTON, KY 41008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 15, 2049

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Property Address	403 E HIGH ST, WARSAW, KY 41095-2079
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E HIGH ST, WARSAW, KY 41095-2079

Mortgage

Document Number	00M269/245
Date	Mar 2, 2023
Book Page	M269/245
Instrument	88076

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Property Address	403 E HIGH ST, WARSAW, KY 41095-2079
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M256/649
Date	Jun 25, 2021
Book Page	M256/649
Instrument	80062

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Property Address	403 E HIGH ST, WARSAW, KY 41095-2079
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 494, WARSAW, KY 41095-0494

Mortgage

Document Number	00M250/317
Date	Oct 9, 2020
Book Page	M250/317
Instrument	77135

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	CARROLLTON, KY 41008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	Jul 16, 2019
Property Address	403 E HIGH ST, WARSAW, KY 41095-2079
Document Number	00D129/328
Book / Page	D129 / 328
Map Reference	SL A34
Instrument Date	Jul 15, 2019
Instrument	74180
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 E HIGH ST, 403, WARSAW, KY 41095-2079

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 494, WARSAW, KY 41095-0494

Mortgage

Document Number	0000M24145
Date	Jul 16, 2019
Instrument	M241/45

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2049

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		$150,000 (-) Land $40,000 Building $110,000	$150,000 (-) Land $40,000 Building $110,000
2025	$1,593.00 (-0.93%)	$150,000 (-) Land $40,000 Building $110,000	$150,000 (-) Land $40,000 Building $110,000
2023	$1,608.00	$150,000 Land $40,000 Building $110,000	$150,000 Land $40,000 Building $110,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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