405 Scotts Ferry Rd E, Versailles, KY 40383 Property Records

Woodford County property record for 405 Scotts Ferry Rd E, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,340 sqft · built 1989
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on Record
Last Sale	$282,000 (Dec 2013)
Tax Bill	$2,861 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-0000-029-01`

Property Details

APN / Parcel Number

Primary APN	`31-0000-029-01`
Alternative APN	`27127`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,340 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Brick Veneer
Foundation Type	Block
Lot Area	48,787 sqft (1.12 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	27127
Street Address	405 SCOTTS FERRY RD E
City	VERSAILLES
State	KY
Zip	40383-9652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 STORY
Jurisdiction	WOODFORD KY
Township / Civil Division	SOUTH WOODFORD
Census Block Group	4
Census Block	4021
Census Tract	50200

Owner

Source: Woodford County records, as of December 11, 2025

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
Co-owner	Co-owner on Record
Mailing Address	405 SCOTTS FERRY RD E, VERSAILLES, KY 40383-9652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2013 · Amount on Record
Deed Sale	Dec 9, 2013 · Amount on Record
Prior Sale	Feb 19, 2013 · Amount on Record
Deed Document Number	0000278303
Deed Book / Page	278 / 303
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	405 SCOTTS FERRY RD E, VERSAILLES, KY 40383-9652
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	LAND GROUP TITLE AND CLOSINGS, LAND GROUP TITLE & CLOSINGS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M901/401
Date	Mar 8, 2021
Book Page	M901/401
Instrument	96425

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

Source: Woodford County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,861.00 (-8.21%)	$292,000 (-)	$292,000 (-)
2023	$3,117.00	$292,000	$292,000

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 December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (2010–2025)
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 · 6 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

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	SO WOODFORD CO WATER DISTRICT serves 4,218 people · EPA ID KY1200411
Water Source	Purchased surface water from VERSAILLES WATER SYSTEM
Last State Inspection	Jul 2024
Lead	2 ppb (2021–2023) 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20