424 Lowe Rd, Sparta, KY 41086 Property Records

Gallatin County property record for 424 Lowe Rd, Sparta, KY 41086

Property Summary

Property Type	Mobile Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 1999
Lot Size	5.69 acres (247,987 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Dec 2021)
Tax Bill	$1,911 (2025)
Deeds & Mortgages	Apr 2022 Sale Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-69.01`

Property Details

APN / Parcel Number

Primary APN	`015-69.01`
Alternative APN	`7227-1`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,352 sqft Living Area
Basement Area	1,352 sqft
Unfinished Basement	1,352 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	247,987 sqft (5.69 acres)
Lot Dimensions	52 ft deep x 26 ft wide
Garage Type	Mixed
Garage Area	768 sqft
Driveway	Gravel Driveway
Parking Spaces	3 Parking Spaces
Tennis Court	Tennis Court
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7227-1
Street Address	424 LOWE RD
City	SPARTA
State	KY
Zip	41086-9559
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	5.693 AC & 1999 DW 26 X 52 &GARAGE
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	2
Census Block	2000
Census Tract	960104

Owner

424 Lowe Rd, a mobile home, is owned and occupied by an individual who bought it in December 2021.

Source: Gallatin County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	424 LOWE RD, SPARTA, KY 41086-9559
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
Apr 29, 2022	Warranty Deed, Transfer
Dec 22, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Nov 4, 2020	Warranty Deed, Transfer · FHA Mortgage CITIZENS UNION BANK OF SHELBYVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Dec 20, 2021 · Amount on File
Deed Document Number	202182373
Deed Book / Page	135 / 451
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	Apr 29, 2022
Property Address	424 LOWE RD, SPARTA, KY 41086-9559
Document Number	00D136/366
Book / Page	D136 / 366
Map Reference	MB 75 PG 207
Instrument Date	Apr 29, 2022
Instrument	84249
Transaction Type	Transfer
Record Updated	May 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 LOWE RD, 424, SPARTA, KY 41086-9559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 LOWE RD, SPARTA, KY 41086-9559

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	Dec 22, 2021
Property Address	424 LOWE RD, SPARTA, KY 41086-9559
Document Number	00D135/451
Book / Page	D135 / 451
Instrument Date	Dec 10, 2021
Instrument	82373
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1375 GRIDLEY HILL RD, 1375, SANDERS, KY 41083-9491

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 LOWE RD, SPARTA, KY 41086-9559

Mortgage

Document Number	0000M26190
Date	Dec 22, 2021
Instrument	M261/90

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	Nov 4, 2020
Property Address	424 LOWE RD, SPARTA, KY 41086-9559
Document Number	00D132/430
Book / Page	D132 / 430
Instrument Date	Nov 2, 2020
Instrument	77361
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3980 KY HIGHWAY 184, 3980, GHENT, KY 41045-9096

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 LOWE RD, SPARTA, KY 41086-9559

Mortgage

Document Number	0000M25145
Date	Nov 4, 2020
Instrument	M251/45

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Mortgage

Document Number	000M251/60
Date	Nov 4, 2020
Book Page	M251/60
Instrument	77363

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 424 Lowe Rd was $1,911.

Source: Gallatin County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,000 (-) Land $20,000 Building $160,000	$180,000 (-) Land $20,000 Building $160,000
2025	$1,911.00	$180,000 Land $20,000 Building $160,000	$180,000 Land $20,000 Building $160,000
2023	$1,929.00	$180,000 Land $20,000 Building $160,000	$180,000 Land $20,000 Building $160,000

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

Flood

FEMA maps place 424 Lowe Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 21, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 424 Lowe Rd is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GALLATIN COUNTY WATER DISTRICT serves 5,860 people · EPA ID KY0390130
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 ppb (2024–2026) 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000

Cell Coverage

4G LTE only, no 5G reported

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