813 Joyce Ridge Rd, Milton, KY 40045 Property Records

Trimble County property record for 813 Joyce Ridge Rd, Milton, KY 40045

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,196 sqft · built 1979
Lot Size	7.8 acres (339,768 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Jun 2025)
Tax Bill	$2,985 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`008-00-00-036.00`

Property Details

APN / Parcel Number

Primary APN	`008-00-00-036.00`
Alternative APN	`10630`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick Veneer
Roof Type	Gable
Lot Area	339,768 sqft (7.8 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	10630
Street Address	813 JOYCE RIDGE RD
City	MILTON
State	KY
Zip	40045-8423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE/BLDGS & 7.8 ACS
Jurisdiction	TRIMBLE KY
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1045
Census Tract	100100

Owner

Source: Trimble County records, as of November 18, 2025

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	4177 SHERMAN AVE, LOUISVILLE, KY 40213-1867
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit THE FARMERS BANK OF MILTON
Sep 25, 2023	Deed of Trust, Mortgage THE FARMERS BANK OF MILTON
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit FARMER BANK OF MILTON
Feb 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage FARMERS BANK
Jul 12, 2021	Deed, Transfer
Jul 26, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2025 · Amount on Record
Deed Sale	Jun 27, 2025 · Amount on Record
Prior Sale	Jul 12, 2021 · Amount on Record
Deed Document Number	2025113347
Deed Book / Page	171 / 682
Prior Transfer Date	Jul 25, 2018
Prior Transfer Doc	D149/491
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIMBLE KY
Property Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423

Mortgage

Document Number	00M261/663
Date	Oct 31, 2023
Book Page	M261/663
Instrument	106633

Lender

Name	THE FARMERS BANK OF MILTON
Type	Bank
Address	MILTON, KY 40045

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIMBLE KY
Property Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423

Mortgage

Document Number	000M261/68
Date	Sep 25, 2023
Book Page	M261/68
Instrument	106179

Lender

Name	THE FARMERS BANK OF MILTON
Type	Bank
Address	MILTON, KY 40045

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIMBLE KY
Property Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M258/111
Date	Apr 24, 2023
Book Page	M258/111
Instrument	104490

Lender

Name	FARMER BANK OF MILTON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 17, 2033

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRIMBLE KY
Property Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M256/753
Date	Feb 28, 2023
Book Page	M256/753
Instrument	103939

Lender

Name	FARMERS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2053

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TRIMBLE KY
Recording Date	Jul 12, 2021
Property Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423
Document Number	D159/5
Book / Page	D159 / 5
Map Reference	DB 144 PG 128
Instrument Date	Jul 2, 2021
Instrument	97719
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TRIMBLE KY
Recording Date	Jul 26, 2018
Property Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423
Document Number	D149/491
Book / Page	D149 / 491
Instrument Date	Jul 25, 2018
Instrument	91688
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	813 JOYCE RIDGE RD, 813, MILTON, KY 40045-8423

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	813 JOYCE RIDGE RD, MILTON, KY 40045-8423

Tax Assessment & Valuation

Source: Trimble County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,985.00 (+12.9%)	$270,900 (+15.23%)	$270,900 (+15.23%)
2023	$2,644.00	$235,100	$235,100

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 March 23, 2021 · 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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1997–2025)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 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	0.01% 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	MILTON WATER & SEWER DEPARTMENT serves 3,861 people · EPA ID KY1120289
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	4 ppb (2021–2023) 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

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