Bourbon County property record for 405 Chambers St, Paris, KY 40361
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 900 sqft |
| Owner | Individual Name on File |
| Last Sale | $132,000 (Dec 2021) |
| Tax Bill | $440 (2025) |
| Deeds & Mortgages | Nov 2019 Reverse Mortgage Oct 2006 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 026-80-07-005.00 |
| Primary APN | 026-80-07-005.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Foundation Type | Block |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Gas |
| Street Address | 405 CHAMBERS ST |
|---|---|
| City | PARIS |
| State | KY |
| Zip | 40361-1944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & L - 405 CHAMBERS ST - L #9 |
| Legal Subdivision | CHAMBERS GARDEN |
| Legal Lot Number | 9 |
| Jurisdiction | BOURBON KY |
| Township / Civil Division | PARIS |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 30102 |
405 Chambers St is owned by an individual who bought it in December 2021.
Source: Bourbon County records, as of December 17, 2025
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 File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2122 WYNDAMERE LN, PARIS, KY 40361-2154 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2019 | Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING |
| Oct 25, 2006 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Feb 3, 2026 | Warranty Deed, Transfer TREY TITLE LLC, TRUE TITLE LLC |
| Dec 9, 2021 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 26, 2013 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2021 · Amount on File |
| Deed Sale | Dec 9, 2021 · Amount on File |
| Prior Sale | Feb 26, 2013 · Amount on File |
| Deed Document Number | 794523 |
| Deed Book / Page | 320 / 44 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOURBON KY |
| Property Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 000648/755 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 648/755 |
| Instrument | 784194 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 929 Months |
| Due | Apr 12, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.48% |
| Type Change Date | Nov 1, 2020 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOURBON KY |
| Property Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000449/259 |
|---|---|
| Date | Oct 25, 2006 |
| Book Page | 449/259 |
| Instrument | 78994 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BOURBON KY |
| Recording Date | Feb 3, 2026 |
| Property Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
| Document Number | 000336/418 |
| Book / Page | 336 / 418 |
| Map Reference | CAB A SL 145 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 1007750 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $152.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 311 MOHEGAN TRL, RICHMOND, KY 40475-8770 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOURBON KY |
| Recording Date | Dec 9, 2021 |
| Property Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
| Document Number | 0000320/44 |
| Book / Page | 320 / 44 |
| Map Reference | CAB A SL 145 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 794523 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | JETT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 SPURLIN TRAILER CT, RICHMOND, KY 40475-9022 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2122 WYNDAMERE LN, PARIS, KY 40361-2154 |
| Document Number | 0000794528 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 794528 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOURBON KY |
| Recording Date | Feb 26, 2013 |
| Property Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
| Document Number | 000290/287 |
| Book / Page | 290 / 287 |
| Map Reference | CAB A SL145 |
| Instrument Date | Feb 25, 2013 |
| Instrument | 109712 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14221 DALLAS PKWY STE 1000, 1000, DALLAS, TX 75254-2946 |
| Name | Verified Name |
|---|---|
| Address | 405 CHAMBERS ST, PARIS, KY 40361-1944 |
The 2025 property tax bill for 405 Chambers St was $440.
Source: Bourbon County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Bourbon County |
| Municipality | Paris City |
| Unified School District | Paris Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $440.00 | $132,000 Land $10,000 Building $122,000 | $132,000 Land $10,000 Building $122,000 |
| 2023 | $463.00 | $132,000 Land $10,000 Building $122,000 | $132,000 Land $10,000 Building $122,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Chambers St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025 · 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 | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 13 (1997–2026) |
| Most Recent Claim | Jun 2026 · river or lake flooding |
| Claims by Event |
|
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 risk around 405 Chambers St is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PARIS WATER WORKS serves 14,139 people · EPA ID KY0090343 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | Turbidity resolved · Mar 2025 Haloacetic acids resolved · Jan 2020 |
|---|---|
| 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 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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