865 Cooks Ln, Mount Eden, KY 40046 Property Records

Spencer County property record for 865 Cooks Ln, Mount Eden, KY 40046

Property Summary

Property Type	Farm - Irrigated or Dry
Details	1,425 sqft
Lot Size	16 acres (696,960 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (Sep 2021)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-27`

Property Details

APN / Parcel Number

Primary APN	`52-27`
Alternative APNs	`310271` `31027`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,425 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	696,960 sqft (16 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	310271
Street Address	865 COOKS LN
City	MOUNT EDEN
State	KY
Zip	40046-8005
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	16.00 ACRES
Jurisdiction	SPENCER KY
Township / Civil Division	TAYLORSVILLE
Census Block Group	3
Census Block	3002
Census Tract	80200

Owner

Source: Spencer County records, as of January 26, 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
Co-owner	Co-owner on Record
Mailing Address	865 COOKS LN, MOUNT EDEN, KY 40046-8005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	225323
Deed Book / Page	315 / 732
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER KY
Property Address	865 COOKS LN, MOUNT EDEN, KY 40046-8005
Transaction Type	Mortgage
Record Updated	Dec 19, 2023
Title Company	VANTAGE POINT TITLE, VINTAGE POINTE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M611/242
Date	Nov 9, 2023
Book Page	M611/242
Instrument	235499

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2048

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPENCER KY
Recording Date	Sep 1, 2021
Property Address	865 COOKS LN, MOUNT EDEN, KY 40046-8005
Document Number	315/732
Book / Page	315 / 732
Instrument Date	Aug 27, 2021
Instrument	225323
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 COOKS LN, MOUNT EDEN, KY 40046-8005

Mortgage

Document Number	225324
Date	Sep 1, 2021
Instrument	225324

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,591.00 (+65.38%)	$164,000 (+67.35%) Land $154,000 Building $10,000	$275,000 (+78.57%) Land $130,000 Building $145,000
2023	$962.00	$98,000 Land $8,000 Building $90,000	$154,000 Land $64,000 Building $90,000

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 October 15, 2025 · 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	1 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	US 60 WATER DISTRICT serves 7,892 people · EPA ID KY1060436
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bluegrass Fiber Fixed Wireless	250 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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