446 W Third St, Lexington, KY 40508 Property Records

Lexington-Fayette Urban County property record for 446 W Third St, Lexington, KY 40508

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.211 acres (9,222 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Dec 2021)
Tax Bill	$1,236 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2023 Line of Credit + 1 more
APN	`38286390`

Property Details

APN / Parcel Number

Primary APN	`38286390`

Exterior

Lot Area	9,222 sqft (0.211 acres)

Location & Zoning

Street Address	446 W THIRD ST
City	LEXINGTON
State	KY
Zip	40508-3512
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-2
Legal Description	SUBD:MARY JANE GALLAHER PROPERTY TR#:2 MAP REF:MB:1
Legal Subdivision	MARY JANE GALLAHER PROPERTY
Legal Tract	2
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	1
Census Block	1005
Census Tract	102

Owner

Source: Lexington-Fayette Urban County records, as of November 10, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	444 W THIRD ST, LEXINGTON, KY 40508-3512
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage CITIZENS NATIONAL BANK OF SOMERSET
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK OF SOMERSET
Dec 27, 2021	Deed, Transfer CITIZENS NATL BK OF SOMERSET

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Deed Document Number	0003905268
Deed Book / Page	3905 / 268
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	446 W THIRD ST, LEXINGTON, KY 40508-3512
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000585/517
Date	Jan 4, 2023
Book Page	0585/517

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET

Agreement

Amount	Amount Recorded

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	446 W THIRD ST, LEXINGTON, KY 40508-3512
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MB10722/550
Date	Oct 20, 2023
Book Page	MB 10722/550
Instrument	202310200188

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Type	Bank
Address	SOMERSET, KY 42502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Dec 27, 2021
Property Address	446 W THIRD ST, LEXINGTON, KY 40508-3512
Document Number	003905/268
Book / Page	3905 / 268
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000316/654
Date	Dec 27, 2021
Book Page	0316/654

Lender

Name	CITIZENS NATL BK OF SOMERSET

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lexington-Fayette Urban County assessment roll, as of April 1, 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
2025	$1,236.00	$100,000	$100,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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