432 E 80 Dr, Columbia, KY 42728 Property Records

Adair County property record for 432 E 80 Dr, Columbia, KY 42728

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 1987
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$143,500 (Jan 2018)
Tax Bill	$2,211 (2025)
Deeds & Mortgages	May 2026 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`063-03-00-050.00`

Property Details

APN / Parcel Number

Primary APN	`063-03-00-050.00`
Alternative APN	`24045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,832 sqft Living Area
Basement Area	1,832 sqft
Unfinished Basement	1,832 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	144 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	24045
Street Address	432 E 80 DR
City	COLUMBIA
State	KY
Zip	42728-8923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.50 ACRES+HOUSE
Legal Subdivision	EAST EIGHTY ESTATE SUBDIVISION
Jurisdiction	ADAIR KY
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1029
Census Tract	970402

Owner

432 E 80 Dr is owned by two individuals who bought it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	700 JAMESTOWN ST, COLUMBIA, KY 42728-1116
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
May 21, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF JAMESTOWN
Jul 21, 2021	Deed, Transfer · Commercial Mortgage UNITED CITIZENS BANK SOUTHERN KENTU
Jan 30, 2018	Deed, Transfer · Conventional Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2018 · Amount on File
Deed Sale	Jan 30, 2018 · Amount on File
Prior Sale	Apr 25, 2006 · Amount on File
Deed Book / Page	347 / 529
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR KY
Recording Date	May 21, 2026
Property Address	432 E 80 DR, COLUMBIA, KY 42728-8923
Document Number	0000553605
Book / Page	442 / 754
Instrument Date	May 6, 2026
Instrument	2026553605
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E 80 DR, COLUMBIA, KY 42728-8923

Mortgage

Document Number	0000553605,
Date	May 21, 2026
Book Page	442/754
Instrument	2026553605

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.37%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR KY
Property Address	432 E 80 DR, COLUMBIA, KY 42728-8923
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 LOYS DR, COLUMBIA, KY 42728-8936

Mortgage

Document Number	000381/663
Date	Aug 4, 2020
Book Page	381/663
Instrument	459052

Lender

Name	BANK OF JAMESTOWN
Type	Bank
Address	JAMESTOWN, KY 42629

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2040

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAIR KY
Recording Date	Jul 21, 2021
Property Address	432 E 80 DR, COLUMBIA, KY 42728-8923
Document Number	000366/782
Book / Page	366 / 782
Map Reference	MB 199 PG 637
Instrument Date	Jul 17, 2021
Instrument	463472
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 E 80 DR, COLUMBIA, KY 42728-8923

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	700 JAMESTOWN ST, COLUMBIA, KY 42728-1116

Mortgage

Document Number	0000463473
Date	Jul 21, 2021
Instrument	463473

Lender

Name	UNITED CITIZENS BANK SOUTHERN KENTU
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2051

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAIR KY
Recording Date	Jan 30, 2018
Property Address	432 E 80 DR, COLUMBIA, KY 42728-8923
Document Number	000347/529
Book / Page	347 / 529
Map Reference	DD 199 PG 637
Instrument Date	Jan 29, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	TECE TITLE SERVICES INC, T E C E TITLE SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 E 80 DR, COLUMBIA, KY 42728-8923

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	432 E 80 DR, COLUMBIA, KY 42728-8923

Mortgage

Document Number	0000358525
Date	Jan 30, 2018
Instrument	358/525

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 432 E 80 Dr was $2,211.

Source: Adair County assessment roll, as of December 5, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,000 (-) Land $4,000 Building $188,000	$192,000 (-) Land $4,000 Building $188,000
2025	$2,211.00	$192,000 Land $4,000 Building $188,000	$192,000 Land $4,000 Building $188,000
2023	$2,202.00	$192,000 Land $4,000 Building $188,000	$192,000 Land $4,000 Building $188,000

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

Flood

FEMA maps place 432 E 80 Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 432 E 80 Dr 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	COLUMBIA/ADAIR UTILITIES DISTRICT serves 22,113 people · EPA ID KY0011016
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Sep 2025
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DuoBroadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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