709 E Marks Ridge Rd, Garfield, KY 40140 Property Records

Breckinridge County property record for 709 E Marks Ridge Rd, Garfield, KY 40140

Property Summary

Property Type	Other Improved
Lot Size	24.7 acres (1,077,674 sqft)
Owner	Individual Name on Record
Last Sale	$274,000 (Jan 2024)
Tax Bill	$1,830 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`127-18-5`

Property Details

APN / Parcel Number

Primary APN	`127-18-5`
Alternative APNs	`30237` `35982`

Exterior

Lot Area	1,077,674 sqft (24.7 acres)

Location & Zoning

Account Number	35982
Street Address	709 E MARKS RIDGE RD
City	GARFIELD
State	KY
Zip	40140-5238
Property Category	Other
Property Type	Other > Other Improved
Legal Description	VANLAHR DIVISION 3-4-5& DOUBLEWIDE
Legal Subdivision	VANLAHR DIVISION
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	MCDANIELS-HUDSON
Census Block Group	1
Census Block	1030
Census Tract	960501

Owner

Source: Breckinridge County records, as of May 21, 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	709 E MARKS RIDGE RD, GARFIELD, KY 40140-5238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · VA Mortgage EVERETT FINANCIAL INC
Oct 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE CECILIAN BANK
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL RESOURCES INC
Apr 17, 2019	Deed, Transfer · Line of Credit MEADE COUNTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Apr 17, 2019 · Amount on Record
Deed Document Number	2024923792
Deed Book / Page	463 / 335
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	709 E MARKS RIDGE RD, GARFIELD, KY 40140-5238
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M557/165
Date	Jan 29, 2024
Book Page	M557/165
Instrument	2020923800

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	14801 QUORUM DR STE 300, DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	709 E MARKS RIDGE RD, GARFIELD, KY 40140-5238
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E MARKS RIDGE RD, GARFIELD, KY 40140-5238

Mortgage

Document Number	00M534/358
Date	Oct 1, 2022
Book Page	M534/358
Instrument	2020910314

Lender

Name	THE CECILIAN BANK
Type	Bank
Address	IRVINGTON, KY 40146

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Sep 21, 2027

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	709 E MARKS RIDGE RD, GARFIELD, KY 40140-5238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	489/719
Date	Oct 2, 2020
Book Page	489/719
Instrument	2020005311

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 1, 2045

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Apr 17, 2019
Property Address	709 E MARKS RIDGE RD, GARFIELD, KY 40140-5238
Document Number	418/302
Book / Page	418 / 302
Instrument Date	Mar 8, 2019
Instrument	2019001969
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 426, IRVINGTON, KY 40146-0426

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	590 E MARKS RIDGE RD, GARFIELD, KY 40140-5236

Mortgage

Document Number	2019001970
Date	Apr 17, 2019
Instrument	2019001970

Lender

Name	MEADE COUNTY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Mar 8, 2034

Tax Assessment & Valuation

Source: Breckinridge County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,830.00 (+17.91%)	$189,450 (+15.91%) Land $9,450 Building $180,000	$274,000 (+38.88%) Land $94,000 Building $180,000
2023	$1,552.00 (-0.7%)	$163,450 (-) Land $9,450 Building $154,000	$197,296 (-) Land $43,296 Building $154,000
2022	$1,563.00	$163,450 Land $9,450 Building $154,000	$197,296 Land $43,296 Building $154,000

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 May 8, 2024 · 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	3 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

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	0.01% 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	HARDINSBURG RO WTP serves 18,437 people · EPA ID KY0140966
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) 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 7 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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