Woodford County property record for 409 S Gratz St, Midway, KY 40347
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,522 sqft · built 1998 |
| Owner | Individual Name on File |
| Last Sale | $217,000 (Apr 2021) |
| Tax Bill | $2,409 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-6006-004-00 |
| Primary APN | 38-6006-004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,522 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Porch | Porch |
| Porch Area | 52 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Account Number | 33722 |
|---|---|
| Street Address | 409 S GRATZ ST |
| City | MIDWAY |
| State | KY |
| Zip | 40347-5045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 STORY |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | MIDWAY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 50400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Midway Historic District listed 1978 · 177 contributing resources · NRIS 78001415 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Woodford County records, as of December 11, 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 | PO BOX 3885, MIDWAY, KY 40347-3885 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2024 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU |
| Apr 23, 2021 | Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2021 · Amount on File |
| Deed Sale | Apr 23, 2021 · Amount on File |
| Prior Sale | Oct 3, 2016 · Amount on File |
| Deed Document Number | 98086 |
| Deed Book / Page | D326 / 97 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 409 S GRATZ ST, MIDWAY, KY 40347-5045 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00M985/332 |
|---|---|
| Date | Apr 15, 2024 |
| Book Page | M985/332 |
| Instrument | 247755 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | 440 PARK PL, LEXINGTON, KY 40511 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 14, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Apr 23, 2021 |
| Property Address | 409 S GRATZ ST, MIDWAY, KY 40347-5045 |
| Document Number | 000D326/97 |
| Book / Page | D326 / 97 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 98086 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 215 WESTRIDGE CT, VERSAILLES, KY 40383-1705 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 409 S GRATZ ST, MIDWAY, KY 40347-5045 |
| Document Number | 0000098087 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 98087 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Woodford County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Woodford County |
| Municipality | Midway City |
| Unified School District | Woodford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,409.00 (+9.75%) | $265,000 (+22.12%) | $265,000 (+22.12%) |
| 2023 | $2,195.00 | $217,000 | $217,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
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.
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 | Direct burnable vegetation |
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 | MIDWAY MUNICIPAL WATER WORKS serves 2,174 people · EPA ID KY1200283 |
|---|---|
| Water Source | Purchased surface water from FRANKFORT PLANT BOARD |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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