650 Cedar Rdg Dr, Stanford, KY 40484 Property Records

Lincoln County property record for 650 Cedar Rdg Dr, Stanford, KY 40484

Property Summary

Property Type	Single Family Home
Details	1,034 sqft · built 1995
Lot Size	3.74 acres (162,914 sqft)
Owner	Individual Name on Record
Last Sale	$77,000 (Dec 2017)
Tax Bill	$1,497 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081-00-03-012.00`

Property Details

APN / Parcel Number

Primary APN	`081-00-03-012.00`
Alternative APN	`81-041A`

Interior

Stories	1 Story
Building Area	1,034 sqft Living Area
Basement Area	1,630 sqft
Unfinished Basement	1,382 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	162,914 sqft (3.74 acres)
Garage Type	Attached
Garage Area	796 sqft

Location & Zoning

Street Address	650 CEDAR RIDGE DR
City	STANFORD
State	KY
Zip	40484-7546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & 3.74 AC & BARN
Jurisdiction	LINCOLN KY
Township / Civil Division	CRAB ORCHARD
Census Block Group	1
Census Block	1026
Census Tract	920400

Owner

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	Individual Name on Record
Mailing Address	650 CEDAR RIDGE DR, STANFORD, KY 40484-7546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2018	Intrafamily Transfer, Transfer · Line of Credit FIRST SOUTHERN NATIONAL BANK
Dec 20, 2017	Deed, Transfer · Conventional Mortgage FARMERS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2017 · Amount on Record
Deed Sale	Dec 20, 2017 · Amount on Record
Deed Document Number	2017336649
Deed Book / Page	438 / 496
Last Transfer Date	Jan 5, 2018
Transfer Doc	DEED439/055
Record Updated	Sep 20, 2026

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN KY
Recording Date	Jan 23, 2018
Property Address	650 CEDAR RIDGE DR, STANFORD, KY 40484-7546
Document Number	DEED439/055
Book / Page	DEED 439 / 055
Instrument Date	Jan 5, 2018
Instrument	336975
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 CEDAR RIDGE DR, 650, STANFORD, KY 40484-7546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CEDAR RIDGE DR, STANFORD, KY 40484-7546

Mortgage

Document Number	336976
Date	Jan 23, 2018
Instrument	336976

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN KY
Recording Date	Dec 20, 2017
Property Address	650 CEDAR RIDGE DR, STANFORD, KY 40484-7546
Document Number	DEED438/496
Book / Page	DEED 438 / 496
Map Reference	MB 1 PG 2
Instrument Date	Dec 19, 2017
Instrument	336649
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 BELL ST, 137, STANFORD, KY 40484-1005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 BELL ST, STANFORD, KY 40484-1005

Mortgage

Document Number	336650
Date	Dec 20, 2017
Instrument	336650

Lender

Name	FARMERS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,497.00 (+98.28%) Homeowner's exemption	$201,500 (+67.92%) Land $20,000 Building $181,500	$201,500 (+67.92%) Land $20,000 Building $181,500
2024	$755.00
2023		$120,000 Land $20,000 Building $100,000	$120,000 Land $20,000 Building $100,000

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 September 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1996 · river or lake flooding

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 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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