Nelson County property record for 551 Thomas Ln, Bloomfield, KY 40008
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,693 sqft · built 2013 |
| Lot Size | 2.11 acres (91,912 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $214,000 (Jun 2019) |
| Tax Bill | $2,734 (2025) |
| Deeds & Mortgages | May 2024 Second Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 75000-00-048 |
| Primary APN | 75000-00-048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,693 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 91,912 sqft (2.11 acres) |
| Garage Type | Attached |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 87114 |
|---|---|
| Street Address | 551 THOMAS LN |
| City | BLOOMFIELD |
| State | KY |
| Zip | 40008-7412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 551 THOMAS LANE |
| Legal Subdivision | SURVEY OF JEFFREY W WOLF |
| Jurisdiction | NELSON KY |
| Township / Civil Division | BARDSTOWN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 930500 |
Source: Nelson County records, as of August 26, 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 | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANCARE LLC |
| Oct 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 5, 2019 | Deed of Trust, Mortgage · Construction Mortgage WEST POINT BANK |
| Jun 26, 2019 | Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2019 · Amount on Record |
| Deed Sale | Jun 26, 2019 · Amount on Record |
| Prior Sale | Dec 5, 2012 · Amount on Record |
| Deed Document Number | 20197770 |
| Deed Book / Page | 550 / 368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Document Number | 00M1458/79 |
|---|---|
| Date | May 1, 2024 |
| Book Page | M1458/79 |
| Instrument | 2024004235 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23453 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Document Number | M1346/218 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | M1346/218 |
| Instrument | 2021013790 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NELSON KY |
| Property Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1199/337 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | M1199/337 |
| Instrument | 2019002547 |
| Name | WEST POINT BANK |
|---|---|
| Type | Bank |
| Address | RADCLIFF, KY 40159 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Feb 26, 2020 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NELSON KY |
| Recording Date | Jun 26, 2019 |
| Property Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Document Number | D550/368 |
| Book / Page | D550 / 368 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 2019007770 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $214.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 248 MORASES LN, 248, BLOOMFIELD, KY 40008 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 551 THOMAS LN, BLOOMFIELD, KY 40008-7412 |
| Document Number | 2019007771 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 2019007771 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
Source: Nelson County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Nelson County |
| Unified School District | Nelson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,734.00 (+11%) | $214,000 (-) Building $214,000 | $214,000 (-) Building $214,000 |
| 2023 | $2,463.00 | $214,000 | $214,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | Direct burnable vegetation |
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 | BLOOMFIELD WATER & SEWER DEPT serves 5,771 people · EPA ID KY0900031 |
|---|---|
| Water Source | Purchased surface water from BARDSTOWN MUNICIPAL WATER DEPT |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2023 |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2023 |
| Monitoring and Reporting | 3 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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