685 Fraley Rd, Salt Lick, KY 40371 Property Records

Bath County property record for 685 Fraley Rd, Salt Lick, KY 40371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,224 sqft · built 1993
Lot Size	1.14 acres (49,746 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Mar 2023)
Tax Bill	$1,770 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`075-00-00-070.01`

Property Details

APN / Parcel Number

Primary APN	`075-00-00-070.01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,224 sqft Living Area
Basement Area	816 sqft
Unfinished Basement	816 sqft
Family Room	Family Room

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Other
Roof Type	Gable
Roof Material	Metal
Lot Area	49,746 sqft (1.14 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric

Location & Zoning

Street Address	685 FRALEY RD
City	SALT LICK
State	KY
Zip	40371-8739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.142 AC LOT & RES
Legal Tract	2
Jurisdiction	BATH KY
Township / Civil Division	SALT LICK
Census Block Group	1
Census Block	1010
Census Tract	970300

Owner

Source: Bath County records, as of January 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	685 FRALEY RD, SALT LICK, KY 40371-8739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 8, 2018	Deed, Transfer PEOPLES BANK OF KENTUCKY INC
Sep 25, 2018	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2023 · Amount on Record
Deed Sale	Mar 27, 2023 · Amount on Record
Prior Sale	Nov 8, 2018 · Amount on Record
Deed Document Number	20232411345
Deed Book / Page	260 / 16
Prior Transfer Date	Mar 20, 2013
Prior Transfer Doc	00D231/113
Record Updated	Jun 8, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BATH KY
Recording Date	Mar 27, 2023
Property Address	685 FRALEY RD, SALT LICK, KY 40371-8739
Document Number	0000260/16
Book / Page	260 / 16
Instrument Date	Mar 24, 2023
Instrument	2411345
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

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	867 FRALEY RD, SALT LICK, KY 40371-8739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 FRALEY RD, SALT LICK, KY 40371-8739

Mortgage

Document Number	0002411351
Date	Mar 27, 2023
Instrument	2411351

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BATH KY
Recording Date	Nov 8, 2018
Property Address	685 FRALEY RD, SALT LICK, KY 40371-8739
Document Number	00D247/617
Book / Page	D247 / 617
Instrument Date	Nov 8, 2018
Instrument	772424
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 367, FLEMINGSBURG, KY 41041-0367

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	867 FRALEY RD, SALT LICK, KY 40371-8739

Mortgage

Document Number	0000772425
Date	Nov 8, 2018
Instrument	772425

Lender

Name	PEOPLES BANK OF KENTUCKY INC
Type	Bank

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 8, 2028

September 2018: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BATH KY
Recording Date	Sep 25, 2018
Property Address	685 FRALEY RD, SALT LICK, KY 40371-8739
Document Number	00D247/385
Book / Page	D247 / 385
Instrument Date	Aug 2, 2018
Instrument	772169
Transaction Type	Foreclosure
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 FLEMINGSBURG RD, 154, MOREHEAD, KY 40351-1556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 367, FLEMINGSBURG, KY 41041-0367

Tax Assessment & Valuation

Source: Bath County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$142,000 (+54.35%)	$142,000 (+54.35%)
2024	$1,770.00 (+55.67%)
2023	$1,137.00	$92,000	$92,000

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 February 28, 2025 · 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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	33 (1981–2018)
Claims Outside the SFHA	4 of 33
Most Recent Claim	Sep 2018 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims

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 80% of the US · lower than 63% 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	BATH COUNTY WATER DISTRICT serves 10,083 people · EPA ID KY0060022
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2023
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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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