412 Ridgeway Rd, Lexington, KY 40502 Property Records

Lexington-Fayette Urban County property record for 412 Ridgeway Rd, Lexington, KY 40502

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,345 sqft · built 1930
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,002,000 (Apr 2026)
Tax Bill	$9,228 (2026)
Deeds & Mortgages	Sep 2016 Mortgage Apr 2026 Sale & Construction Loan + 5 more
APN	`10954400`

Property Details

APN / Parcel Number

Primary APN	`10954400`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,345 sqft Living Area
Basement Area	1,032 sqft
Finished Basement	801 sqft
Unfinished Basement	231 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Stone
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	412 RIDGEWAY RD
City	LEXINGTON
State	KY
Zip	40502-2344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1C
Legal Description	E-380+ ASHLAND PARK NO 4 LOT 6 & 7; BOOK: 3869 PAGE: 703
Legal Subdivision	ASHLAND PARK NO 4
Legal Block	U
Legal Lot Number	6-7
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	1
Census Block	1007
Census Tract	600

Owner

Source: Lexington-Fayette Urban County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2016	Deed of Trust, Mortgage FIFTH THIRD MTG CO
Apr 29, 2026	Deed, Construction Loan · Construction Mortgage BANK TRUST
Apr 8, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 18, 2021	Deed, Transfer
Aug 2, 2016	Deed, Transfer
Jun 18, 2012	Deed, Transfer BRANCH BANKING AND TRUST CO
Dec 6, 2006	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	2026
Prior Transfer Date	Apr 6, 2026
Prior Transfer Doc	0000000186
Record Updated	Oct 29, 2026

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008668/252
Date	Sep 30, 2016
Book Page	8668/252

Lender

Name	FIFTH THIRD MTG CO

Agreement

Amount	Amount Recorded

April 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Apr 29, 2026
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Instrument Date	Apr 28, 2026
Transaction Type	Construction Loan
Record Updated	Aug 28, 2026
Title Company	LAND TITLE, LAND GROUP TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344

Mortgage

Date	Apr 29, 2026

Lender

Name	BANK TRUST

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	0.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAYETTE KY
Recording Date	Apr 8, 2026
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Document Number	0000000186
Book / Page	4185 / 744
Instrument Date	Apr 6, 2026
Instrument	2026186
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Aug 18, 2021
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Document Number	003869/703
Book / Page	3869 / 703
Transaction Type	Transfer
Record Updated	Jun 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Aug 2, 2016
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Document Number	003418/697
Book / Page	3418 / 697
Transaction Type	Transfer
Record Updated	Jun 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Jun 18, 2012
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Document Number	003079/681
Book / Page	3079 / 681
Transaction Type	Transfer
Record Updated	Jun 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007472/563
Date	Jun 18, 2012
Book Page	7472/563

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

December 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE KY
Recording Date	Dec 6, 2006
Property Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344
Document Number	002692/376
Book / Page	2692 / 376
Map Reference	CAB E SL380-383
Instrument Date	Oct 25, 2006
Instrument	200612060267
Transaction Type	Transfer
Record Updated	Jun 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	503 ESCONDIDA RD, PARIS, KY 40361-9559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 RIDGEWAY RD, LEXINGTON, KY 40502-2344

Tax Assessment & Valuation

Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Municipality	Lexington-Fayette Urban County
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,228.00 (+1.88%)	$732,500 (-)	$732,500 (-)
2025	$9,058.00	$732,500 (-)	$732,500 (-)
2023	$9,058.00	$732,500	$732,500

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

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1992)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1992 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 615 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Windstream.

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