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686 Windy Rdg, Bedford, KY 40006 Property Records

Carroll County property record for 686 Windy Rdg, Bedford, KY 40006 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on File
Last Sale$198,000 (Feb 2025)
Tax Bill$574 (2023)
Deeds & MortgagesFeb 2025 Sale
Dec 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-28-16

Property Details

APN / Parcel Number

Primary APN07-28-16
Alternative APNs
  • 7/28/2016
  • 123701
  • 32091

Interior

Family RoomFamily Room

Exterior

Lot Area217,800 sqft (5 acres)
TerrainRolling

Location & Zoning

Account Number123701
Street Address686 WINDY RDG
CityBEDFORD
StateKY
Zip40006-6013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDOUBLEWIDE, GARAGE & 5 ACRES
Legal SubdivisionPIERSON
Legal Lot Number16
JurisdictionCARROLL KY
Township / Civil DivisionPRESTONVILLE
Census Block Group1
Census Block1053
Census Tract950300

Owner

Source: Carroll County records · APN 07-28-16

Assessment roll updated November 11, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address686 WINDY RIDGE RD, BEDFORD, KY 40006
Owner TypeIndividual
VestingUnmarried

Deeds, Mortgages & Sale History

DateDocument
Feb 20, 2025Deed, Transfer
Dec 30, 2024Deed, Transfer · FHA Mortgage
STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 20, 2025 · Amount on Record
Deed SaleFeb 20, 2025 · Amount on Record
Prior SaleDec 30, 2024 · Amount on Record
Deed Book / Page234 / 8
Prior Transfer DateFeb 13, 2025
Prior Transfer Doc0000D234/8
Record UpdatedJun 08, 2026

February 2025: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL KY
Recording DateFeb 20, 2025
Property Address686 WINDY RDG, BEDFORD, KY 40006-6013
Document Number0000D234/8
Book / PageD234 / 8
Map ReferenceMB 98 PG 143
Instrument DateFeb 13, 2025
Instrument2212268
Transaction TypeTransfer
Record UpdatedNov 11, 2025

Transaction

Tax$99.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address686 WINDY RDG, BEDFORD, KY 40006-6013

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 WINDY RDG, BEDFORD, KY 40006-6013
InvestorPossibly a Property Investor

December 2024: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL KY
Recording DateDec 30, 2024
Property Address686 WINDY RDG, BEDFORD, KY 40006-6013
Document Number00D233/375
Book / PageD233 / 375
Map ReferenceMB 98 PG 143
Instrument DateNov 15, 2024
Instrument2211632
Transaction TypeTransfer
Record UpdatedNov 11, 2025

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$198.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3543 ROYAL STEWART CT, CINCINNATI, OH 45245-3344

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address686 WINDY RDG, BEDFORD, KY 40006-6013
InvestorPossibly a Property Investor

Mortgage

Document Number0002211633
DateDec 30, 2024
Instrument2211633
Lender
NameSTOCKTON MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2054

Mortgage

Document Number000M292/52
DateDec 30, 2024
Book PageM292/52
Instrument2211634
Lender
NameLEXINGTON-FAYETTE URBAN COUNTY GOV
TypeGovernment Agency
AddressFRANKFORT, KY 40601
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueDec 01, 2034

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated November 11, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyCarroll County
Unified School DistrictCarroll County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$198,000 (+1%) Land $40,000 Building $158,000$198,000 (+1%) Land $40,000 Building $158,000
2023$574.00 Homeowner's exemption Additional exemption filed$99,000 Land $20,000 Building $79,000$99,000 Land $20,000 Building $79,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (21041C), updated March 21, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210419503001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Nearby Flood Policies23 in force
Nearby Flood Claims37 (1995–2025)
Claims Outside the SFHA1 of 37
Most Recent ClaimApr 2025, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 16 claims
  • Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 6 claims
  • Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 10 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumFiber1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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