Lincoln County property record for 907 E Main St, Stanford, KY 40484
| Property Type | Commercial |
|---|---|
| Lot Size | 1.03 acres (45,128 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,500 (Sep 2022) |
| Tax Bill | $1,225 (2025) |
| Deeds & Mortgages | Sep 2022 Construction Loan Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-09-21-009.00 |
| Primary APN | 051-09-21-009.00 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,128 sqft (1.03 acres) |
| Driveway | Asphalt Driveway |
| Total Buildings | 2 Buildings |
| Sewer | Connected |
|---|
| Street Address | 907 E MAIN ST |
|---|---|
| City | STANFORD |
| State | KY |
| Zip | 40484-9700 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | COM |
| Legal Description | HOUSE & BLD & LOT 6 |
| Legal Subdivision | JAMES GILBERT TRACT DIVISION |
| Legal Lot Number | 6 |
| Jurisdiction | LINCOLN KY |
| Township / Civil Division | STANFORD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 920101 |
907 E Main St, a commercial property, is owned by two individuals who bought it in September 2022.
Source: Lincoln County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 907 E MAIN ST, STANFORD, KY 40484-9700 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC |
| Oct 20, 2021 | Deed of Trust, Mortgage WHITAKER BANK INC |
| May 6, 2021 | Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2022 · Amount on File |
| Deed Sale | Sep 9, 2022 · Amount on File |
| Prior Sale | May 6, 2021 · Amount on File |
| Deed Book / Page | 471 / 609 |
| Prior Transfer Date | Sep 2, 2008 |
| Prior Transfer Doc | DEED380/627 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 907 E MAIN ST, STANFORD, KY 40484-9700 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 907 E MAIN ST, STANFORD, KY 40484-9700 |
| Document Number | 000519/205 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 519/205 |
| Instrument | 494001 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 26, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 907 E MAIN ST, STANFORD, KY 40484-9700 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2238 LEXINGTON RD, LANCASTER, KY 40444-9009 |
| Document Number | MTG504/403 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | MTG 504/403 |
| Instrument | 479382 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LANCASTER, KY 40444 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Oct 20, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | LINCOLN KY |
| Recording Date | May 6, 2021 |
| Property Address | 907 E MAIN ST, STANFORD, KY 40484-9700 |
| Document Number | DEED460/482 |
| Book / Page | DEED 460 / 482 |
| Map Reference | MB 3 PG 37 |
| Instrument Date | May 3, 2021 |
| Instrument | 466706 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 169 OLD BRIDGE RD, DANVILLE, KY 40422-9783 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 907 E MAIN ST, STANFORD, KY 40484-9700 |
| Document Number | 0000466707 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 466707 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 907 E Main St was $1,225, down 4.1% from the year before.
Source: Lincoln County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Lincoln County |
| Municipality | Stanford City |
| Unified School District | Lincoln County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,225.00 (-4.15%) | $133,000 Land $18,000 Building $115,000 | $133,000 Land $18,000 Building $115,000 |
| 2024 | $1,278.00 | ||
| 2023 | $133,000 Land $33,000 Building $100,000 | $133,000 Land $33,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 907 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 4 (1982–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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 risk around 907 E Main St is low, with a 0.02% annual chance of 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 | 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.
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 |
| 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.
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 |
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