410 E Main St, Stanford, KY 40484 Property Records

Lincoln County property record for 410 E Main St, Stanford, KY 40484

Property Summary

Property Type	Commercial
Lot Size	0.049 acres (2,146 sqft)
Owner	Individual Name on File
Tax Bill	$912 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-05-76-003.00`

Property Details

APN / Parcel Number

Primary APN	`051-05-76-003.00`
Alternative APN	`ST3-021-10`

Interior

Stories	1 Story

Exterior

Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	2,146 sqft (0.049 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	410 E MAIN ST
City	STANFORD
State	KY
Zip	40484-1359
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	COM
Legal Description	COMM BLDG & LOT
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	4
Census Block	4015
Census Tract	920102

Owner

410 E Main St, a commercial property, is owned by an individual who acquired it in February 2008.

Source: Lincoln County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	410 E MAIN ST, STANFORD, KY 40484-1359
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage PBK BANK
Jul 28, 2026	Deed of Trust, Mortgage · Construction Mortgage PBK BANK
Sep 14, 2023	Deed of Trust, Mortgage · Construction Mortgage PBK BANK INC
May 31, 2023	Deed of Trust, Mortgage PBK BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 21, 2008
Transfer Doc	DEED376/778
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Recording Date	Sep 8, 2026
Property Address	410 E MAIN ST, STANFORD, KY 40484-1359
Document Number	0573000665
Book / Page	573 / 665
Instrument Date	Aug 28, 2026
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	SOURCE OF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 E MAIN ST, STANFORD, KY 40484-1359

Mortgage

Document Number	0573000665,
Date	Sep 8, 2026
Book Page	573/665

Lender

Name	PBK BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	311 Months
Due	Aug 28, 2052

Interest

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

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Recording Date	Jul 28, 2026
Property Address	410 E MAIN ST, STANFORD, KY 40484-1359
Document Number	0571000814
Book / Page	571 / 814
Instrument Date	Jul 24, 2026
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	SOURCE OF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 E MAIN ST, STANFORD, KY 40484-1359

Mortgage

Document Number	0571000814,
Date	Jul 28, 2026
Book Page	571/814

Lender

Name	PBK BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 24, 2027

Interest

Rate	6.49%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	410 E MAIN ST, STANFORD, KY 40484-1359
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000531/60
Date	Sep 14, 2023
Book Page	531/60
Instrument	2295040

Lender

Name	PBK BANK INC
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	410 E MAIN ST, STANFORD, KY 40484-1359
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 E MAIN ST, STANFORD, KY 40484-1359

Mortgage

Document Number	000526/781
Date	May 31, 2023
Book Page	526/781
Instrument	2292593

Lender

Name	PBK BANK INC
Type	Bank
Address	STANFORD, KY 40484

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 410 E Main St was $912, up 46.2% from the year before.

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Lincoln County
Municipality	Stanford City
Unified School District	Lincoln County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$912.00 (+46.15%)	$99,000 Land $25,000 Building $74,000	$99,000 Land $25,000 Building $74,000
2024	$624.00
2023		$65,000 Land $10,000 Building $55,000	$65,000 Land $10,000 Building $55,000

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

Flood

FEMA maps place 410 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 17, 2010 · 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 Claims	5 (1979–1997)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 1997 · river or lake flooding

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

Wildfire risk around 410 E Main St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Windstream.

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