Fleming County property record for 511 Phipps Ln, Wallingford, KY 41093
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 2,592 sqft · built 2001 |
| Lot Size | 45 acres (1,960,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Jun 2026) |
| Tax Bill | $1,114 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Reverse Mortgage Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 071-00-00-026.00 |
| Primary APN | 071-00-00-026.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,592 sqft Living Area |
| Basement Area | 1,272 sqft |
| Unfinished Basement | 1,272 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 1,960,200 sqft (45 acres) |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 536 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 8013 |
|---|---|
| Street Address | 511 PHIPPS LN |
| City | WALLINGFORD |
| State | KY |
| Zip | 41093-8967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | FARM 41.536 AC W/HSE |
| Jurisdiction | FLEMING KY |
| Township / Civil Division | FLEMINGSBURG |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 920100 |
Source: Fleming 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3944 DAYS MILL RD, HILLSBORO, KY 41049-9141 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed, Transfer · Reverse Mortgage NONE LISTED ON DOCUMENT |
| Apr 24, 2024 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2026 · Amount on Record |
| Deed Sale | Jun 10, 2026 · Amount on Record |
| Deed Document Number | 2026154732 |
| Deed Book / Page | 300 / 668 |
| Prior Transfer Date | Jan 24, 2024 |
| Prior Transfer Doc | 0000118778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLEMING KY |
| Recording Date | Jun 10, 2026 |
| Property Address | 511 PHIPPS LN, WALLINGFORD, KY 41093-8967 |
| Document Number | 0000154732 |
| Book / Page | 300 / 668 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 2026154732 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40,400.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3944 DAYS MILL RD, HILLSBORO, KY 41049-9141 |
| Investor | Possibly a Property Investor |
| Document Number | 0000154732, |
|---|---|
| Date | Jun 10, 2026 |
| Book Page | 440/216 |
| Instrument | 2026154732 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 9, 2066 |
| Rate | 5.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLEMING KY |
| Property Address | 511 PHIPPS LN, WALLINGFORD, KY 41093-8967 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00M416/181 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | M416/181 |
| Instrument | 120164 |
| Name | COMMUNITY TRUST BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 12.1% |
Source: Fleming County assessment roll, as of November 13, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Fleming County |
| Unified School District | Fleming County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $113,000 (-) Land $15,000 Building $98,000 | $300,000 (-24.62%) Land $300,000 | |
| 2025 | $1,114.00 (-2.11%) | $113,000 (+0.98%) Land $15,000 Building $98,000 | $398,000 (+76.89%) Land $300,000 Building $98,000 |
| 2023 | $1,138.00 | $111,900 Land $14,100 Building $97,800 | $225,000 Land $225,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 20, 2010 · 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2010–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2017 · river or lake flooding |
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.
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 | 0.03% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FLEMING CO WATER ASSOCIATION private · serves 9,693 people · EPA ID KY0350133 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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