582 Waynes Ln, Milton, KY 40045 Property Records

Trimble County property record for 582 Waynes Ln, Milton, KY 40045

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,987 sqft · built 2005
Lot Size	8.2 acres (357,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Oct 2021)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-011.21`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-011.21`
Alternative APN	`10789`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,987 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Roof Type	Gable
Lot Area	357,192 sqft (8.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10789
Street Address	582 WAYNES LN
City	MILTON
State	KY
Zip	40045-7314
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	D W/GAR & 8.20 ACS
Legal Subdivision	SCHIRMER ROSA ESTATES
Jurisdiction	TRIMBLE KY
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1049
Census Tract	100100

Owner

Source: Trimble County records, as of April 2, 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	357 WILLARD WILSON RD, BEDFORD, KY 40006-8748
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage BEDFORD LOAN & DEPOSIT BANK
Oct 11, 2021	Deed, Transfer · Conventional Mortgage BEDFORD LOAN & DEPOSIT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2021 · Amount on Record
Deed Sale	Oct 11, 2021 · Amount on Record
Prior Sale	Oct 5, 2021 · Amount on Record
Deed Document Number	202198644
Deed Book / Page	160 / 175
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIMBLE KY
Property Address	582 WAYNES LN, MILTON, KY 40045-7314
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M253/565
Date	Aug 2, 2022
Book Page	M253/565
Instrument	101948

Lender

Name	BEDFORD LOAN & DEPOSIT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jul 22, 2045

Interest

Rate Type	Fixed Rate

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIMBLE KY
Recording Date	Oct 11, 2021
Property Address	582 WAYNES LN, MILTON, KY 40045-7314
Document Number	00D160/175
Book / Page	D160 / 175
Map Reference	DB 104 PG 1016
Instrument Date	Oct 1, 2021
Instrument	98644
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 206, BEDFORD, KY 40006-0206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 WILLARD WILSON RD, BEDFORD, KY 40006-8748

Mortgage

Document Number	00M246/485
Date	Oct 11, 2021
Book Page	M246/485
Instrument	98645

Lender

Name	BEDFORD LOAN & DEPOSIT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Trimble County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,763.00 (-2.06%)	$160,000 (-)	$160,000 (-)
2023	$1,800.00	$160,000	$160,000

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 March 23, 2021 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1997–2025)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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	0.01% 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	MILTON WATER & SEWER DEPARTMENT serves 3,861 people · EPA ID KY1120289
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	4 ppb (2021–2023) 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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