509 E Main St, Warsaw, KY 41095 Property Records

Gallatin County property record for 509 E Main St, Warsaw, KY 41095

Property Summary

Property Type	Commercial
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$74,000 (Aug 2015)
Tax Bill	$1,316 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13B-01-07.02`

Property Details

APN / Parcel Number

Primary APN	`13B-01-07.02`
Alternative APNs	`4996-1` `7337-1` `3782-4`

Interior

Stories	1 Story

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	120 ft deep x 130 ft wide
Driveway	Concrete Driveway
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	7337-1
Street Address	509 E MAIN ST
City	WARSAW
State	KY
Zip	41095-2098
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RESIDENTIA
Legal Description	.25 ACRE E MAIN ST & OFFICE BLDG
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1005
Census Tract	960103

Owner

Source: Gallatin County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	710 AMBROSE RD, WARSAW, KY 41095-9229
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Deed of Trust, Mortgage BRANCH BANKING AND TRUST CO
Aug 28, 2025	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2015 · Amount on Record
Deed Sale	Aug 20, 2015 · Amount on Record
Last Transfer Date	Aug 28, 2025
Transfer Doc	00D144/193
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLATIN KY
Property Address	509 E MAIN ST, WARSAW, KY 41095-2098
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	BRIDGETRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M243/406
Date	Nov 27, 2019
Book Page	M243/406
Instrument	74815

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 25, 2034

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GALLATIN KY
Recording Date	Aug 28, 2025
Property Address	509 E MAIN ST, WARSAW, KY 41095-2098
Document Number	00D144/193
Book / Page	D144 / 193
Instrument Date	Aug 28, 2025
Instrument	100838
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 E MAIN ST, WARSAW, KY 41095-2098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 AMBROSE RD, WARSAW, KY 41095-9229

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GALLATIN KY
Recording Date	Jul 22, 2022
Property Address	509 E MAIN ST, WARSAW, KY 41095-2098
Document Number	000D137/89
Book / Page	D137 / 89
Map Reference	PL B65
Instrument Date	Jul 21, 2022
Instrument	85495
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 E MAIN ST, WARSAW, KY 41095-2098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E MAIN ST, WARSAW, KY 41095-2098

Tax Assessment & Valuation

Source: Gallatin County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Gallatin County
Municipality	Warsaw City
Unified School District	Gallatin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,000 (-) Land $20,000 Building $104,000	$124,000 (-) Land $20,000 Building $104,000
2025	$1,316.00 (+65.95%)	$124,000 (+67.57%) Land $20,000 Building $104,000	$124,000 (+67.57%) Land $20,000 Building $104,000
2023	$793.00	$74,000 Land $20,000 Building $54,000	$74,000 Land $20,000 Building $54,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2018–2025)
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

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	WARSAW WATER WORKS serves 1,988 people · EPA ID KY0390444
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2023–2025) 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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