Jessamine County property record for 481 Cave Spring Rd, Nicholasville, KY 40356
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,751 sqft · built 1997 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Sep 2020) |
| Tax Bill | $8,633 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Line of Credit Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 021-00-00-027.25 |
| Primary APN | 021-00-00-027.25 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,751 sqft Living Area |
| Basement Area | 1,808 sqft |
| Unfinished Basement | 1,808 sqft |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Lot Area | 217,800 sqft |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 481 CAVE SPRING RD |
|---|---|
| City | NICHOLASVILLE |
| State | KY |
| Zip | 40356-8111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 204 |
| Legal Subdivision | CLEAR CREEK ESTATES |
| Legal Lot Number | 204 |
| Jurisdiction | JESSAMINE KY |
| Township / Civil Division | KEENE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 60600 |
481 Cave Spring Rd is owned and occupied by an individual who bought it in September 2020.
Source: Jessamine County records, as of December 5, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 481 CAVE SPRING RD, NICHOLASVILLE, KY 40356-8111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2020 | Deed, Transfer · Line of Credit CENTRAL BANK & TRUST CO |
| Jun 19, 2017 | Grant Deed, Transfer · Conventional Mortgage PROVIDENT FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2020 · Amount on File |
| Deed Sale | Sep 25, 2020 · Amount on File |
| Prior Sale | Jun 19, 2017 · Amount on File |
| Deed Document Number | 392964 |
| Deed Book / Page | D814 / 796 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Recording Date | Sep 25, 2020 |
| Property Address | 481 CAVE SPRING RD, NICHOLASVILLE, KY 40356-8111 |
| Document Number | 0000392964 |
| Book / Page | D814 / 796 |
| Map Reference | CAB 8 SL 39 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 392964 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 106 JAMESWOOD DR, 106, MURRAY, KY 42071-4676 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 481 CAVE SPRING RD, NICHOLASVILLE, KY 40356-8111 |
| Document Number | 0000392965 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 392965 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Number | 0000392966 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | M1422/490 |
| Instrument | 392966 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 73 Months |
| Due | Oct 1, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JESSAMINE KY |
| Recording Date | Jun 19, 2017 |
| Property Address | 481 CAVE SPRING RD, NICHOLASVILLE, KY 40356-8111 |
| Document Number | 0000355170 |
| Book / Page | 000758 / 000480 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 355170 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 481 CAVE SPRING RD NICHOLASVILLE KY 403568111, NICHOLASVILLE, KY 40356-8111 |
| Document Number | 355171 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 001290/000360 |
| Instrument | 355171 |
| Name | PROVIDENT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN BRUNO, CA 94066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 18, 2047 |
| Document Number | 355172, |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 001290/000373 |
| Instrument | 355172 |
| Name | FIRST STHRN NAT'L BK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40503 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 18, 2022 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 481 Cave Spring Rd was $8,633.
Source: Jessamine County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Jessamine County |
| Unified School District | Jessamine County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,633.00 | $752,700 Land $122,000 Building $630,700 | $752,700 Land $122,000 Building $630,700 |
| 2023 | $6,898.00 | $617,000 Land $100,000 Building $517,000 | $617,000 Land $100,000 Building $517,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 481 Cave Spring Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 6 (2008–2015) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jul 2015 · rainfall accumulation |
| Claims by Event |
|
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 risk around 481 Cave Spring 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JESSAMINE S ELKHORN WATER DIST serves 8,826 people · EPA ID KY0570249 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Oct 2018 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
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