45 Orchard Dr, Stanford, KY 40484 Property Records

Lincoln County property record for 45 Orchard Dr, Stanford, KY 40484

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,224 sqft
Lot Size	0.482 acres (20,996 sqft)
Owner	Individual Name on File
Last Sale	$134,000 (Aug 2026)
Tax Bill	$372 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07A-003-04`

Property Details

APN / Parcel Number

Primary APN	`07A-003-04`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,224 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,996 sqft (0.482 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	45 ORCHARD DR
City	STANFORD
State	KY
Zip	40484-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	H & 3 LOTS #46,47 & 48 (.482 AC) & G
Legal Subdivision	EATON
Legal Lot Number	46-48
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	3
Census Block	3011
Census Tract	920102

Owner

45 Orchard Dr is owned and occupied by an individual who bought it in August 2026.

Source: Lincoln County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	45 ORCHARD DR, STANFORD, KY 40484-9571
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Jan 11, 2024 · Amount on File
Deed Book / Page	498 / 592
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN KY
Recording Date	Aug 17, 2026
Property Address	45 ORCHARD DR, STANFORD, KY 40484-9571
Document Number	0498000592
Book / Page	498 / 592
Instrument Date	Aug 17, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,534.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ORCHARD DR, STANFORD, KY 40484-9571

Mortgage

Document Number	0573000036,
Date	Aug 17, 2026
Book Page	573/36

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Orchard Dr was $372 with a homeowner's exemption, down 10.8% from the year before.

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$372.00 (-10.79%) Homeowner's exemption	$87,000 Land $12,000 Building $75,000	$87,000 Land $12,000 Building $75,000
2024	$417.00
2023		$87,000 Land $18,000 Building $69,000	$87,000 Land $18,000 Building $69,000

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

Flood

FEMA maps place 45 Orchard Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective September 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
Nearby Flood Claims	1 (2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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 45 Orchard Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HUSTONVILLE WATER WORKS serves 5,420 people · EPA ID KY0690203
Water Source	Purchased surface water from DANVILLE CITY WATER WORKS
Last State Inspection	May 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2024
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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20