550 Ridge Rd, Princeton, KY 42445 Property Records

Caldwell County property record for 550 Ridge Rd, Princeton, KY 42445

Property Summary

Property Type	Commercial
Lot Size	15.6 acres (681,104 sqft)
Owner	2 Individual Names on Record
Tax Bill	$754 (2025)
Deeds & Mortgages	May 2025 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`128544-001`

Property Details

APN / Parcel Number

Primary APN	`128544-001`
Alternative APNs	`10616301` `60-10C`

Exterior

Lot Area	681,104 sqft (15.6 acres)

Location & Zoning

Street Address	550 RIDGE RD
City	PRINCETON
State	KY
Zip	42445-5457
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BUILDING & 15.636 ACRES
Jurisdiction	CALDWELL KY
Township / Civil Division	FREDONIA
Census Block Group	2
Census Block	2037
Census Tract	920100

Owner

Source: Caldwell County records, as of December 8, 2025

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	683 FOX MEADOW RD, PRINCETON, KY 42445-5455
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2025	Deed of Trust, Mortgage · Commercial Mortgage FARMERS BANK & TRUST
Mar 11, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Nov 9, 2018	Deed, Transfer · FmHA Mortgage FARMERS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000321486
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	550 RIDGE RD, PRINCETON, KY 42445-5457
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	683 FOX MEADOW RD, PRINCETON, KY 42445-5455

Mortgage

Document Number	0000413/21
Date	May 27, 2025
Book Page	413/21

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	162 Months
Due	Nov 15, 2038

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	550 RIDGE RD, PRINCETON, KY 42445-5457
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000381/218
Date	Mar 11, 2022
Book Page	381/218

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	15 Months
Due	Jun 9, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CALDWELL KY
Recording Date	Nov 9, 2018
Property Address	550 RIDGE RD, PRINCETON, KY 42445-5457
Document Number	00D321/486
Book / Page	D321 / 486
Instrument Date	Oct 31, 2018
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 FOX MEADOW RD, PRINCETON, KY 42445-5444

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	683 FOX MEADOW RD, PRINCETON, KY 42445-5455

Mortgage

Document Number	00M340/171
Date	Nov 9, 2018
Book Page	M340/171

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	FmHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 5, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of October 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$754.00 (-1.18%)	$93,082 (-)	$93,082 (-)
2023	$763.00	$93,082	$93,082

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 April 19, 2019 · 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

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	0.02% 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	CALDWELL COUNTY WATER DISTRICT serves 6,000 people · EPA ID KY0170528
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Ridge Rd

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