498 Sims Rd, Summer Shade, KY 42166 Property Records

Metcalfe County property record for 498 Sims Rd, Summer Shade, KY 42166

Property Summary

Property Type	Single Family Home
Details	980 sqft · built 2010
Lot Size	29 acres (1,263,240 sqft)
Owner	2 Individual Names on File
Last Sale	$509,000 (Aug 2023)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Apr 2024 Mortgage May 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`007-00-00-009.00`

Property Details

APN / Parcel Number

Primary APN	`007-00-00-009.00`
Alternative APNs	`37511` `39965` `40162`

Interior

Stories	1 Story
Building Area	980 sqft Living Area
Basement Area	896 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,263,240 sqft (29 acres)
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Slab
Porch Area	952 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	40162
Street Address	498 SIMS RD
City	SUMMER SHADE
State	KY
Zip	42166-9059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29.64A & HSES
Jurisdiction	METCALFE KY
Township / Civil Division	SUMMER SHADE
Census Block Group	1
Census Block	1054
Census Tract	960200

Owner

498 Sims Rd is owned and occupied by two individuals who bought it in August 2023.

Source: Metcalfe County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059
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 24, 2024	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
May 8, 2025	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 4, 2023	Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 4, 2023	Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 6, 2021	Deed, Transfer HOME TOWNE SETTLEMENT SERVICES LLC, HOME TOWNE SETMNT SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on File
Deed Sale	Aug 3, 2023 · Amount on File
Prior Sale	Sep 21, 2006 · Amount on File
Deed Book / Page	175 / 444
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METCALFE KY
Property Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000210/210
Date	Apr 24, 2024
Book Page	210/210

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METCALFE KY
Property Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000216/265
Date	May 8, 2025
Book Page	216/265

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	METCALFE KY
Recording Date	Aug 4, 2023
Property Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059
Document Number	000175/444
Book / Page	175 / 444
Map Reference	MB 5 PG 553
Instrument Date	Jul 31, 2023
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	TOWNE SETTLEMENT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	75 E VETERANS DR, COOKEVILLE, TN 38501-4695

Mortgage

Document Number	0000206668
Date	Aug 4, 2023
Instrument	206/668

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	METCALFE KY
Recording Date	Aug 4, 2023
Property Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059
Document Number	000175/444
Book / Page	175 / 444
Map Reference	MB 5 PG 553
Instrument Date	Jul 31, 2023
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	HOME TOWNE SETTLEMENT SERVICES LLC, TOWNE SETTLEMENT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	75 E VETERANS DR, COOKEVILLE, TN 38501-4695

Mortgage

Document Number	0000206668
Date	Aug 4, 2023
Instrument	206/668

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	METCALFE KY
Recording Date	Apr 6, 2021
Property Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059
Document Number	000168/621
Book / Page	168 / 621
Map Reference	MB 5 PG 553
Instrument Date	Mar 31, 2021
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	HOME TOWNE SETTLEMENT SERVICES LLC, HOME TOWNE SETMNT SVCS LLC

Transaction

Amount	Amount on Record
Tax	$370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5056 CLARK STATION RD, FINCHVILLE, KY 40022-5762

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	498 SIMS RD, SUMMER SHADE, KY 42166-9059

Tax Assessment & Valuation

The 2025 property tax bill for 498 Sims Rd was $2,891 with a disabled person's exemption.

Source: Metcalfe County assessment roll, as of December 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$331,600 (-)
2025	$2,891.00 Disabled Person's exemption	$331,600
2024			$331,600 (+47.64%)
2023	$1,826.00 Homeowner's exemption	$224,600	$224,600

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

Flood

FEMA maps place 498 Sims Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 3, 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 498 Sims Rd 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	EDMONTON WATER WORKS serves 8,515 people · EPA ID KY0850115
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2017
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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
South Central Rural Telecommunications Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Sims Rd

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