846 E Main St, Stanford, KY 40484 Property Records

Lincoln County property record for 846 E Main St, Stanford, KY 40484

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,338 sqft
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on Record
Last Sale	$25,000 (Mar 2020)
Tax Bill	$654 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-09-17-005.00`

Property Details

APN / Parcel Number

Primary APN	`051-09-17-005.00`
Alternative APN	`ST5-004-02`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,338 sqft Living Area

Exterior

Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.231 acres)
Garage Type	Attached
Porch	Slab
Porch Area	120 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	846 E MAIN ST
City	STANFORD
State	KY
Zip	40484-9794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	H & LOT 2 (.231 ACS)& STB
Legal Subdivision	DIVISION OF THE CRAIG LANDS
Legal Lot Number	2
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	2
Census Block	2033
Census Tract	920103

Owner

Source: Lincoln County records, as of May 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	846 E MAIN ST, STANFORD, KY 40484-9794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Deed Document Number	2020461275
Deed Book / Page	452 / 299
Prior Transfer Date	Feb 9, 2010
Prior Transfer Doc	DEED389/755
Record Updated	Sep 20, 2026

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN KY
Recording Date	Mar 19, 2020
Property Address	846 E MAIN ST, STANFORD, KY 40484-9794
Document Number	DEED452/299
Book / Page	DEED 452 / 299
Instrument Date	Mar 16, 2020
Instrument	461275
Transaction Type	Transfer
Record Updated	Sep 21, 2021

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	171 RICE LN, 171, STANFORD, KY 40484-9404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 E MAIN ST, STANFORD, KY 40484-9794

Mortgage

Document Number	461276
Date	Mar 19, 2020
Instrument	461276

Lender

Name	FARMERS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2030

Interest

Rate Type	Adjustable Rate
Rate	4.95%
Type Change Date	Apr 1, 2025
Change Frequency	3 Years
Min Rate At Change	3.5%
Max Rate At Change	6.95%
Index	3-Year CMT
Max Rate	10.9%

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Lincoln County
Municipality	Stanford City
Unified School District	Lincoln County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$654.00 (+240.63%)	$71,000 (+255%) Land $5,000 Building $66,000	$71,000 (+255%) Land $5,000 Building $66,000
2024	$192.00
2023		$20,000 Land $6,000 Building $14,000	$20,000 Land $6,000 Building $14,000

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 September 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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	STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20