539 W Second St, Lexington, KY 40508 Property Records

Lexington-Fayette Urban County property record for 539 W Second St, Lexington, KY 40508

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,332 sqft · built 1900
Lot Size	0.203 acres (8,856 sqft)
Owner	2 Individual Names on File
Last Sale	$457,000 (May 2023)
Tax Bill	$5,757 (2026)
Deeds & Mortgages	Apr 2024 Mortgage May 2023 Sale & Mortgage
APN	`12848700`

Property Details

APN / Parcel Number

Primary APN	`12848700`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,332 sqft Living Area
Basement Area	2,044 sqft
Finished Basement	670 sqft
Unfinished Basement	2,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Lot Area	8,856 sqft (0.203 acres)
Lot Width	54 ft Width
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	539 W SECOND ST
City	LEXINGTON
State	KY
Zip	40508-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	1-022 PRESTON LOT; BOOK: 3054 PAGE: 451
Legal Subdivision	PRESTON
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	1
Census Block	1002
Census Tract	102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Northside Historic Residential District listed 1979 · 1,649 contributing resources · NRIS 79000977

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

539 W Second St is owned and occupied by two individuals who bought it in May 2023.

Source: Lexington-Fayette Urban County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	539 W SECOND ST, LEXINGTON, KY 40508-1203
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 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
May 17, 2023	Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on File
Deed Sale	May 17, 2023 · Amount on File
Prior Sale	Feb 7, 2012 · Amount on File
Deed Document Number	2023154
Deed Book / Page	4017 / 18
Transfer Doc	2862/372
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	539 W SECOND ST, LEXINGTON, KY 40508-1203
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 W SECOND ST, LEXINGTON, KY 40508-1203

Mortgage

Document Number	MB10791/68
Date	Apr 2, 2024
Book Page	MB 10791/68
Instrument	202404020035

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	May 17, 2023
Property Address	539 W SECOND ST, LEXINGTON, KY 40508-1203
Document Number	0DB4017/18
Book / Page	DB 4017 / 18
Instrument Date	May 11, 2023
Instrument	202305170154
Transaction Type	Transfer
Record Updated	Aug 23, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	921 BEAUREGARD PKWY, COVINGTON, LA 70433-8162

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	539 W SECOND ST, LEXINGTON, KY 40508-1203

Mortgage

Document Number	202305170155
Date	May 17, 2023
Instrument	202305170155

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jun 1, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 539 W Second St was $5,757, up 1.9% from the year before.

Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Municipality	Lexington-Fayette Urban County
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,757.00 (+1.88%)	$457,000 (-)	$457,000 (-)
2025	$5,651.00	$457,000	$457,000
2023	$2,338.00 (-6.1%) Homeowner's exemption	$235,500 (-)	$235,500 (-)
2022	$2,490.00 Homeowner's exemption	$235,500	$235,500

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

Flood

FEMA has no flood map on file for 539 W Second St; there have been 5 flood claims nearby since 1997.

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	5 (1997–2010)
Claims Outside the SFHA	5 of 5
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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

The area around 539 W Second St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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