4505 Paynes Mill Rd, Versailles, KY 40383 Property Records

Woodford County property record for 4505 Paynes Mill Rd, Versailles, KY 40383

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,436 sqft · built 1983
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Dec 2018)
Tax Bill	$3,942 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2018 Sale & Line of Credit
Flood Zone	Zone A (high risk)
APN	`50-0000-032-00`

Property Details

APN / Parcel Number

Primary APN	`50-0000-032-00`
Alternative APN	`31818`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,436 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1983
Exterior Material	Wood
Foundation Type	Block
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	31818
Street Address	4505 PAYNES MILL RD
City	VERSAILLES
State	KY
Zip	40383-9220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 STORY
Jurisdiction	WOODFORD KY
Township / Civil Division	VERSAILLES
Census Block Group	2
Census Block	2000
Census Tract	50300

Owner

4505 Paynes Mill Rd is owned and occupied by an individual who bought it in December 2018.

Source: Woodford County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4505 PAYNES MILL RD, VERSAILLES, KY 40383-9220
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
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Dec 26, 2018	Warranty Deed, Transfer · Line of Credit REPUBLIC BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2018 · Amount on File
Deed Sale	Dec 26, 2018 · Amount on File
Deed Document Number	67258
Deed Book / Page	D310 / 559
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOODFORD KY
Property Address	4505 PAYNES MILL RD, VERSAILLES, KY 40383-9220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M886/342
Date	Nov 4, 2020
Book Page	M886/342
Instrument	93395

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WOODFORD KY
Recording Date	Dec 26, 2018
Property Address	4505 PAYNES MILL RD, VERSAILLES, KY 40383-9220
Document Number	D310/559
Book / Page	D310 / 559
Instrument Date	Dec 18, 2018
Instrument	67258
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4505 PAYNES MILL RD, 4505, VERSAILLES, KY 40383-9220

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4505 PAYNES MILL RD, VERSAILLES, KY 40383-9220

Mortgage

Document Number	67259
Date	Dec 26, 2018
Instrument	67259

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4505 Paynes Mill Rd was $3,942.

Source: Woodford County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,942.00	$405,000	$405,000
2023	$4,299.00	$405,000	$405,000

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

Flood

FEMA maps place 4505 Paynes Mill Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	260 (1978–2025)
Claims Outside the SFHA	71 of 260
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 53 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 60 claims Severe Storms & Flooding, Feb 1989 · 45 claims

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 4505 Paynes Mill 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	NE WOODFORD CO WATER DISTRICT serves 2,644 people · EPA ID KY1200310
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	2 ppb (2021–2023) 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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