416 W Third St, Lexington, KY 40508 Property Records

Lexington-Fayette Urban County property record for 416 W Third St, Lexington, KY 40508

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 6,490 sqft · built 1884
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$865,000 (Mar 2016)
Tax Bill	$12,195 (2026)
Deeds & Mortgages	Mar 2024 Construction Loan Oct 2020 Mortgage + 1 more
APN	`15495950`

Property Details

APN / Parcel Number

Primary APN	`15495950`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	2 Stories
Building Area	6,490 sqft Living Area
1st Floor Area	27 sqft
Basement Area	2,166 sqft
Unfinished Basement	2,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Exterior Material	Brick
Lot Area	24,394 sqft (0.56 acres)
Lot Width	68.6 ft Width
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	1,270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	416 W THIRD ST
City	LEXINGTON
State	KY
Zip	40508-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	N-387 CNSL W THIRD ST LOT PC 10&7; BOOK: 3381 PAGE: 83
Legal Subdivision	CNSL W THIRD ST
Legal Lot Number	7,10
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	1
Census Block	1005
Census Tract	102

Owner

416 W Third St is owned and occupied by two individuals who bought it in March 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	416 W THIRD ST, LEXINGTON, KY 40508-3512
Occupancy	Owner Occupied
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
Mar 27, 2024	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO
Oct 9, 2020	Deed of Trust, Mortgage CENTRAL BK & TR CO
Jun 11, 2019	Deed of Trust, Mortgage CENTRAL BK & TR CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2016 · Amount on File
Deed Sale	Mar 10, 2016 · Amount on File
Deed Book / Page	3381 / 83
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	416 W THIRD ST, LEXINGTON, KY 40508-3512
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W THIRD ST, LEXINGTON, KY 40508-3512

Mortgage

Document Number	MB10788/310
Date	Mar 27, 2024
Book Page	MB 10788/310
Instrument	202403270014

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 5, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	416 W THIRD ST, LEXINGTON, KY 40508-3512
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9789/306
Date	Oct 9, 2020
Book Page	9789/306

Lender

Name	CENTRAL BK & TR CO

Agreement

Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	416 W THIRD ST, LEXINGTON, KY 40508-3512
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9334/465
Date	Jun 11, 2019
Book Page	9334/465

Lender

Name	CENTRAL BK & TR CO

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 416 W Third St was $12,195, up 1.9% from the year before.

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	$12,195.00 (+1.88%)	$968,000 (-)	$968,000 (-)
2025	$11,970.00	$968,000	$968,000
2023	$10,696.00	$865,000	$865,000

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

Flood

FEMA has no flood map on file for 416 W Third St; there have been 5 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	5 (1997–2010)
Claims Outside the SFHA	5 of 5
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 416 W Third St is low, with less than 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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 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.

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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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