Woodford County property record for 523 E Stephens St, Midway, KY 40347
| Owner | Individual Name on Record |
|---|---|
| Last Sale | $210,000 (Aug 2023) |
| Tax Bill | $795 (2025) |
| Deeds & Mortgages | Apr 2024 Construction Loan Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-6017-001-00 |
| Primary APN | 38-6017-001-00 |
|---|---|
| Alternative APNs |
|
| Account Number | 35790 |
|---|---|
| Street Address | 523 E STEPHENS ST |
| City | MIDWAY |
| State | KY |
| Zip | 40347-1113 |
| Property Category | Other |
| Property Type | Unknown |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | MIDWAY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50400 |
Source: Woodford County records, as of January 19, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | PO BOX 614, MIDWAY, KY 40347-0614 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2024 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Aug 28, 2023 | Deed, Transfer |
| Aug 28, 2023 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2023 · Amount on Record |
| Deed Sale | Aug 28, 2023 · Amount on Record |
| Prior Sale | Aug 28, 2023 · Amount on Record |
| Deed Document Number | 208151 |
| Deed Book / Page | D341 / 486 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 523 E STEPHENS ST, MIDWAY, KY 40347-1113 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 300 MILL RD, MIDWAY, KY 40347-1029 |
| Document Number | 000M986/61 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | M986/61 |
| Instrument | 250196 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PO BOX 2947, PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Apr 12, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 12, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 8.62% |
| Index | 1-Year CMT |
| Max Rate | 12.6% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Aug 28, 2023 |
| Property Address | 523 E STEPHENS ST, MIDWAY, KY 40347-1113 |
| Document Number | 00D341/486 |
| Book / Page | D341 / 486 |
| Map Reference | CAB A SL 357 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 208151 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $210.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 603 FISHERS MILL RD, MIDWAY, KY 40347-9400 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | PO BOX 614, MIDWAY, KY 40347-0614 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Aug 28, 2023 |
| Property Address | 523 E STEPHENS ST, MIDWAY, KY 40347-1113 |
| Document Number | 00D341/486 |
| Book / Page | D341 / 486 |
| Instrument Date | Aug 24, 2023 |
| Instrument | 207921 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $22.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 209 E BRANNON RD # 20, 20, NICHOLASVILLE, KY 40356-8059 |
| Name | Verified Name |
|---|---|
| Address | 215 LIBERTY HILL PASS, MORRISVILLE, NC 27560-6253 |
Source: Woodford County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Woodford County |
| Municipality | Midway City |
| Unified School District | Woodford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $795.00 (-35.26%) | $90,000 (-28%) | $90,000 (-28%) |
| 2023 | $1,228.00 (+0.57%) | $125,000 (-) | $125,000 (-) |
| 2022 | $1,221.00 | $125,000 | $125,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
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 | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MIDWAY MUNICIPAL WATER WORKS serves 2,174 people · EPA ID KY1200283 |
|---|---|
| Water Source | Purchased surface water from FRANKFORT PLANT BOARD |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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