78 Summertree Dr, Nicholasville, KY 40356 Property Records

Jessamine County property record for 78 Summertree Dr, Nicholasville, KY 40356

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,746 sqft · built 1986
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$386,000 (Oct 2012)
Tax Bill	$5,193 (2025)
Deeds & Mortgages	Apr 2021 Second Mortgage Apr 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`042-30-03-003.00`

Property Details

APN / Parcel Number

Primary APN	`042-30-03-003.00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,746 sqft Living Area
Basement Area	1,344 sqft
Finished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Brick Veneer
Foundation Type	Block
Lot Area	43,560 sqft
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	78 SUMMERTREE DR
City	NICHOLASVILLE
State	KY
Zip	40356-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26B
Legal Subdivision	CROSSWOODS
Legal Block	B
Legal Lot Number	26
Jurisdiction	JESSAMINE KY
Township / Civil Division	KEENE
Census Block Group	1
Census Block	1019
Census Tract	60600

Owner

Source: Jessamine County records, as of December 5, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY OF KENTUCKY FCU
Apr 16, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage UNIVERSITY OF KENTUCKY FCU
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Jan 4, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 30, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage LENOX FINANCIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2012 · Amount on Record
Deed Sale	Oct 30, 2012 · Amount on Record
Prior Sale	Aug 11, 2009 · Amount on Record
Deed Document Number	290309
Deed Book / Page	D678 / 143
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JESSAMINE KY
Property Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	HIGH STREET TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000400915
Date	Apr 28, 2021
Book Page	M1457/779
Instrument	400915

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JESSAMINE KY
Property Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000400489
Date	Apr 16, 2021
Book Page	M1455/807
Instrument	400489

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JESSAMINE KY
Property Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000355836
Date	Jul 5, 2017
Book Page	M1293/145
Instrument	355836

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2032

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JESSAMINE KY
Property Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000372238
Date	Jan 4, 2019
Book Page	M1353/086
Instrument	372238

Lender

Name	PNC BANK NA
Type	Bank
Address	LEXINGTON, KY 40503

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JESSAMINE KY
Property Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000381554
Date	Oct 30, 2019
Book Page	M1380/151
Instrument	381554

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2039

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JESSAMINE KY
Property Address	78 SUMMERTREE DR, NICHOLASVILLE, KY 40356-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000378560
Date	Aug 13, 2019
Book Page	M1371/116
Instrument	378560

Lender

Name	LENOX FINANCIAL MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

Source: Jessamine County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,193.00 (-1.12%)	$452,778 (-) Land $99,705 Building $353,073	$452,778 (-) Land $99,705 Building $353,073
2023	$5,252.00	$452,778 Land $99,705 Building $353,073	$452,778 Land $99,705 Building $353,073

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 December 21, 2017 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2015 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	JESSAMINE S ELKHORN WATER DIST serves 8,826 people · EPA ID KY0570249
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Oct 2018
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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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