654 Emerson Dr, Lexington, KY 40505 Property Records

Lexington-Fayette Urban County property record for 654 Emerson Dr, Lexington, KY 40505

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,285 sqft · built 1951
Lot Size	0.169 acres (7,349 sqft)
Owner	Individual Name on File
Last Sale	$172,500 (Feb 2021)
Tax Bill	$2,173 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Sep 2020 Sale & Mortgage
APN	`21777050`

Property Details

APN / Parcel Number

Primary APN	`21777050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,285 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Lot Area	7,349 sqft (0.169 acres)
Lot Width	50 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	654 EMERSON DR
City	LEXINGTON
State	KY
Zip	40505-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1C
Legal Description	LOT 14; BOOK: 3819 PAGE: 153
Legal Subdivision	MEADOWS
Legal Block	A
Legal Lot Number	14
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	2
Census Block	2001
Census Tract	1500

Owner

654 Emerson Dr is owned and occupied by an individual who bought it in February 2021.

Source: Lexington-Fayette Urban County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	654 EMERSON DR, LEXINGTON, KY 40505-3342
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY OF KY FED CR UN
Sep 8, 2020	Deed, Transfer · Commercial Mortgage MISCHNER, S JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Prior Sale	Sep 8, 2020 · Amount on File
Deed Book / Page	3819 / 153
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Feb 12, 2021
Property Address	654 EMERSON DR, LEXINGTON, KY 40505-3342
Document Number	003819/153
Book / Page	3819 / 153
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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

Mortgage

Document Number	009937/506
Date	Feb 12, 2021
Book Page	9937/506

Lender

Name	UNIVERSITY OF KY FED CR UN

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Sep 8, 2020
Property Address	654 EMERSON DR, LEXINGTON, KY 40505-3342
Document Number	003779/404
Book / Page	3779 / 404
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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

Mortgage

Document Number	009748/651
Date	Sep 8, 2020
Book Page	9748/651

Lender

Name	MISCHNER, S JAMES

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 654 Emerson Dr was $2,173, up 1.9% from the year before.

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	$2,173.00 (+1.88%)	$172,500 (-)	$172,500 (-)
2025	$2,133.00	$172,500	$172,500
2023	$2,133.00	$172,500	$172,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 654 Emerson Dr; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
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.

Wildfire

Wildfire risk around 654 Emerson Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon, Windstream.

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