959 Spears Mill Rd, Paris, KY 40361 Property Records

Bourbon County property record for 959 Spears Mill Rd, Paris, KY 40361

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,183 sqft · built 1900
Lot Size	5.71 acres (248,771 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Dec 2013)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Apr 2023 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`047-00-00-011.01`

Property Details

APN / Parcel Number

Primary APN	`047-00-00-011.01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,183 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Exterior Material	Aluminum/Vinyl
Lot Area	248,771 sqft (5.71 acres)

Location & Zoning

Street Address	959 SPEARS MILL RD
City	PARIS
State	KY
Zip	40361-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.711 AC - 959 SPEARS MILL RD - TRACT 1
Legal Tract	1
Jurisdiction	BOURBON KY
Township / Civil Division	PARIS
Census Block Group	1
Census Block	1000
Census Tract	30300

Owner

Source: Bourbon County records, as of December 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	959 SPEARS MILL RD, PARIS, KY 40361-9534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Construction Mortgage CENTRAL KENTUCKY FEDERAL SAVINGS BANK
Apr 20, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 25, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2013 · Amount on Record
Deed Sale	Dec 30, 2013 · Amount on Record
Deed Document Number	113275
Deed Book / Page	293 / 169
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Recording Date	Jul 17, 2026
Property Address	959 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	0001014301
Book / Page	771 / 816
Instrument Date	Jul 9, 2026
Instrument	20261014301
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	959 SPEARS MILL RD, PARIS, KY 40361-9534

Mortgage

Document Number	0001014301,
Date	Jul 17, 2026
Book Page	771/816
Instrument	20261014301

Lender

Name	CENTRAL KENTUCKY FEDERAL SAVINGS BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2056

Interest

Rate	6.52%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	959 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	959 SPEARS MILL RD, PARIS, KY 40361-9534

Mortgage

Document Number	000717/506
Date	Apr 20, 2023
Book Page	717/506
Instrument	800098

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	959 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Apr 18, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000697/309
Date	Feb 25, 2022
Book Page	697/309
Instrument	795362

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,713.00 (-1.95%)	$199,700 (-) Land $55,000 Building $144,700	$199,700 (-) Land $55,000 Building $144,700
2023	$1,747.00	$199,700 Land $55,000 Building $144,700	$199,700 Land $55,000 Building $144,700

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 February 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	7 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	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	PARIS WATER WORKS serves 14,139 people · EPA ID KY0090343
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Mar 2025 Haloacetic acids resolved · Jan 2020
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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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