Lincoln County property record for 645 Patrick Rd, Stanford, KY 40484
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 993 sqft |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $48,000 (Mar 2024) |
| Tax Bill | $471 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-16-003.00 |
| Primary APN | 061-00-16-003.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 993 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Driveway | Gravel Driveway |
| Total Buildings | 2 Buildings |
| Street Address | 645 PATRICK RD |
|---|---|
| City | STANFORD |
| State | KY |
| Zip | 40484-9716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | H & 2 ACS & COTTAGE |
| Legal Subdivision | RURAL |
| Jurisdiction | LINCOLN KY |
| Township / Civil Division | STANFORD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 920103 |
Source: Lincoln County records, as of May 27, 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 | 137 HILL N DALE DR, LANCASTER, KY 40444-1036 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on Record |
| Deed Sale | Mar 12, 2024 · Amount on Record |
| Prior Sale | Aug 20, 2015 · Amount on Record |
| Deed Book / Page | 481 / 584 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 645 PATRICK RD, STANFORD, KY 40484-9716 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 645 PATRICK RD, STANFORD, KY 40484-9716 |
| Document Number | 000563/731 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | 563/731 |
| Instrument | 2328420 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 5.87% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 11.8% |
Source: Lincoln County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Lincoln County |
| Unified School District | Lincoln County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $471.00 | $48,000 (+33.33%) Land $10,000 Building $38,000 | $48,000 (+33.33%) Land $10,000 Building $38,000 |
| 2023 | $36,000 Land $12,000 Building $24,000 | $36,000 Land $12,000 Building $24,000 |
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 September 17, 2010 · 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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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