644 N Upper St, Lexington, KY 40508 Property Records

Lexington-Fayette Urban County property record for 644 N Upper St, Lexington, KY 40508

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 805 sqft · built 1900
Lot Size	0.083 acres (3,598 sqft)
Owner	Individual Name on Record
Last Sale	$12,500 (Nov 2020)
Tax Bill	$1,024 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2020 Sale + 1 more
APN	`16812800`

Property Details

APN / Parcel Number

Primary APN	`16812800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	805 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Other
Construction Type	Frame
Lot Area	3,598 sqft (0.083 acres)
Lot Width	24.5 ft Width
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	644 N UPPER ST
City	LEXINGTON
State	KY
Zip	40508-1482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	1-051 WAVERLY SQUARE LOT; BOOK: 3795 PAGE: 180
Legal Subdivision	WAVERLY SQUARE
Legal Lot Number	48
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	2
Census Block	2009
Census Tract	200

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

Source: Lexington-Fayette Urban County records, as of October 20, 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	516 WINDFLOWER WAY, LEXINGTON, KY 40511-8562
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage UNIVERSITY OF KY FED CR UN
Nov 5, 2020	Deed, Transfer
May 31, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	May 31, 2019 · Amount on Record
Deed Book / Page	3795 / 180
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	644 N UPPER ST, LEXINGTON, KY 40508-1482
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026/718
Date	Apr 15, 2021
Book Page	0026/718

Lender

Name	UNIVERSITY OF KY FED CR UN

Agreement

Amount	Amount Recorded

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Nov 5, 2020
Property Address	644 N UPPER ST, LEXINGTON, KY 40508-1482
Document Number	3795/180
Book / Page	3795 / 180
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	May 31, 2019
Property Address	644 N UPPER ST, LEXINGTON, KY 40508-1482
Document Number	3672/194
Book / Page	3672 / 194
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$1,024.00 (+1.89%)	$81,300 (-)	$81,300 (-)
2025	$1,005.00	$81,300 (-)	$81,300 (-)
2023	$1,005.00	$81,300	$81,300

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 623 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

May also be available: AT&T, T-Mobile.

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