475 Cold Spring Dr, Stanford, KY 40484 Property Records

Lincoln County property record for 475 Cold Spring Dr, Stanford, KY 40484

Property Summary

Property Type	Single Family Home
Details	1,734 sqft · built 1999
Lot Size	0.394 acres (17,163 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Sep 2015)
Tax Bill	$1,882 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-12-22-004.00`

Property Details

APN / Parcel Number

Primary APN	`051-12-22-004.00`
Alternative APN	`51A-009-60`

Interior

Stories	1 Story
Building Area	1,734 sqft Living Area
Basement Area	1,650 sqft
Unfinished Basement	1,650 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,163 sqft (0.394 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	475 COLD SPRING DR
City	STANFORD
State	KY
Zip	40484-8494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	H & LOT 60 UN 6 BL F [.394 AC]
Legal Subdivision	DIX RIVER ESTATES SUB
Legal Block	F
Legal Lot Number	60
Legal Unit	6
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	2
Census Block	2014
Census Tract	920103

Owner

475 Cold Spring Dr is owned and occupied by two individuals who bought it in September 2015.

Source: Lincoln County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	475 COLD SPRING DR, STANFORD, KY 40484-8494
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 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN NATIONAL BANK
May 4, 2018	Deed of Trust, Mortgage INTER COUNTY ENERGY COOPERATIVE CORPORAT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2015 · Amount on File
Deed Sale	Sep 3, 2015 · Amount on File
Deed Document Number	2015326687
Deed Book / Page	424 / 220
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	475 COLD SPRING DR, STANFORD, KY 40484-8494
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG477/457
Date	Apr 9, 2020
Book Page	MTG 477/457
Instrument	461511

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	STANFORD, KY 40484

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 7, 2030

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	475 COLD SPRING DR, STANFORD, KY 40484-8494
Transaction Type	Mortgage
Record Updated	Jun 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG455/800
Date	May 4, 2018
Book Page	MTG 455/800
Instrument	337975

Lender

Name	INTER COUNTY ENERGY COOPERATIVE CORPORAT
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	71 Months
Due	Apr 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 475 Cold Spring Dr was $1,882, down 4.3% 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	$1,882.00 (-4.27%)	$191,700 Land $20,000 Building $171,700	$191,700 Land $20,000 Building $171,700
2024	$1,966.00
2023		$191,700 Land $20,000 Building $171,700	$191,700 Land $20,000 Building $171,700

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

Flood

FEMA maps place 475 Cold Spring Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 17, 2010

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 475 Cold Spring 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	STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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