Woodford County property record for 645 Oxford Rd, Versailles, KY 40383
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,428 sqft · built 1999 |
| Owner | Individual Name on Record |
| Last Sale | $490,000 (Apr 2024) |
| Tax Bill | $4,756 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Oct 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-3028-015-00 |
| Primary APN | 30-3028-015-00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 2,428 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Block |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Account Number | 36343 |
|---|---|
| Street Address | 645 OXFORD RD |
| City | VERSAILLES |
| State | KY |
| Zip | 40383-8641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 STORY |
| Legal Subdivision | THE COLONY |
| Legal Lot Number | 31 |
| Legal Unit | 5 |
| Jurisdiction | WOODFORD KY |
| Township / Civil Division | VERSAILLES |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 50105 |
Source: Woodford County records, as of December 11, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS COMMERCE BANK |
| Oct 7, 2022 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS COMMERCE BANK |
| Apr 1, 2024 | Deed, Transfer JETT TITLE |
| Apr 1, 2024 | Deed, Transfer · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2024 · Amount on Record |
| Deed Sale | Apr 1, 2024 · Amount on Record |
| Prior Sale | Feb 3, 2006 · Amount on Record |
| Deed Document Number | 245567 |
| Deed Book / Page | D345 / 456 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2024 |
| Name | Verified Name |
|---|---|
| Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Document Number | 00M927/567 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | M927/567 |
| Instrument | 114765 |
| Name | CITIZENS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 8, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WOODFORD KY |
| Property Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2024 |
| Name | Verified Name |
|---|---|
| Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Document Number | 00M957/303 |
|---|---|
| Date | Oct 7, 2022 |
| Book Page | M957/303 |
| Instrument | 158878 |
| Name | CITIZENS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 3, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Apr 1, 2024 |
| Property Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Document Number | 00D345/456 |
| Book / Page | D345 / 456 |
| Map Reference | CAB C SL 205 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 245567 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2024 |
| Title Company | JETT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 905 CHEROKEE RD, LUCAS, KY 42156-2000 |
| Name | Verified Name |
|---|---|
| Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WOODFORD KY |
| Recording Date | Apr 1, 2024 |
| Property Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Document Number | 00D345/456 |
| Book / Page | D345 / 456 |
| Map Reference | CAB C SL 205 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 245567 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2024 |
| Title Company | JETT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $490.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 905 CHEROKEE RD, LUCAS, KY 42156-2000 |
| Name | Verified Name |
|---|---|
| Address | 645 OXFORD RD, VERSAILLES, KY 40383-8641 |
| Document Number | 0000245571 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 245571 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
Source: Woodford County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Woodford County |
| Unified School District | Woodford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,756.00 (+85.85%) | $490,000 (+71.93%) | $490,000 (+71.93%) |
| 2023 | $2,559.00 Homeowner's exemption | $285,000 | $285,000 |
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 December 21, 2017 · 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 | 2 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.
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 | VERSAILLES WATER SYSTEM serves 17,822 people · EPA ID KY1200439 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | 6 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 Organic carbon removal Jan 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 298 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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