975 Spears Mill Rd, Paris, KY 40361 Property Records

Bourbon County property record for 975 Spears Mill Rd, Paris, KY 40361

Property Summary

Property Type	Rural Home
Details	5 bd · 4 ba · 3,400 sqft · built 2003
Lot Size	13.3 acres (582,179 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Jun 2024)
Tax Bill	$7,171 (2025)
Deeds & Mortgages	May 2018 Mortgage May 2018 Line of Credit + 17 more
Flood Zone	Zone A (high risk)
APN	`047-00-00-011.00`

Property Details

APN / Parcel Number

Primary APN	`047-00-00-011.00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,400 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Lot Area	582,179 sqft (13.3 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	975 SPEARS MILL RD
City	PARIS
State	KY
Zip	40361-9534
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	13.365 AC - 975 SPEARS MILL RD
Legal Subdivision	AGRICULTURAL SUBDIVISION
Legal Lot Number	1
Jurisdiction	BOURBON KY
Township / Civil Division	PARIS
Census Block Group	1
Census Block	1000
Census Tract	30300

Owner

975 Spears Mill Rd, a rural home, is owned and occupied by two individuals who bought it in June 2024.

Source: Bourbon County records, as of June 26, 2026

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	2 Individual Names on File
Mailing Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES EXCHANGE BANK (STANTON KY)
May 10, 2018	Deed of Trust, Mortgage · Line of Credit PEOPLES EXCHANGE BANK
Sep 12, 2008	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
Apr 29, 2011	Deed of Trust, Mortgage TRADITIONAL BANK INC
Jun 5, 2014	Deed of Trust, Mortgage · Line of Credit PEOPLES EXCHANGE BANK
Sep 18, 2014	Deed of Trust, Mortgage PEOPLES EXCHANGE BANK
Jun 30, 2008	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
Jul 31, 2015	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES EXCHANGE BANK
Oct 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
Feb 14, 2022	Deed of Trust, Mortgage · Construction Mortgage CENTRAL KENTUCKY AG CREDIT ASSN
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES EXCHANGE BANK
Jan 24, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK AND TRUST COMPANY
Jun 11, 2024	Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC
Aug 11, 2022	Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jan 15, 2013	Quit Claim Deed, Transfer Quitclaim
Jan 19, 2011	Deed, Transfer PEOPLES EXCHANGE BANK
Apr 20, 2006	Deed, Transfer
Apr 20, 2006	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2024 · Amount on File
Deed Sale	Jun 11, 2024 · Amount on File
Prior Sale	Aug 11, 2022 · Amount on File
Deed Document Number	2024990836
Deed Book / Page	329 / 531
Prior Transfer Date	Apr 17, 2006
Prior Transfer Doc	000265/415
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000627/135
Date	May 25, 2018
Book Page	627/135

Lender

Name	PEOPLES EXCHANGE BANK (STANTON KY)
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 18, 2038

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000626/525
Date	May 10, 2018
Book Page	626/525

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 4, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000485/063
Date	Sep 12, 2008
Book Page	485/063
Instrument	89114

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 5, 2013

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000524/190
Date	Apr 29, 2011
Book Page	524/190
Instrument	101379

Lender

Name	TRADITIONAL BANK INC
Address	MOUNT STERLING, KY 40353

Agreement

Amount	Amount on Record
Term	61 Months
Due	May 25, 2016

Interest

Rate Type	Adjustable Rate

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000569/471
Date	Jun 5, 2014
Book Page	569/471

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 3, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000573/768
Date	Sep 18, 2014
Book Page	573/768

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Amount	Amount on Record
Term	6 Months
Due	Mar 12, 2015

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000481/741
Date	Jun 30, 2008
Book Page	481/741
Instrument	88125

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 19, 2013

Interest

Rate Type	Adjustable Rate

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000585/256
Date	Jul 31, 2015
Book Page	585/256

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 20, 2016

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000515/251
Date	Oct 1, 2010
Book Page	515/251
Instrument	098791

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Sep 23, 2020

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 SPEARS MILL RD, PARIS, KY 40361-9534

Mortgage

Document Number	000696/610
Date	Feb 14, 2022
Book Page	696/610
Instrument	795238

Lender

Name	CENTRAL KENTUCKY AG CREDIT ASSN
Type	Bank
Address	LEXINGTON, KY 40508

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	288 Months
Due	Feb 1, 2046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000684/749
Date	Aug 4, 2021
Book Page	684/749
Instrument	792813

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40392

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2041

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000636/096
Date	Jan 24, 2019
Book Page	636/096

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jan 23, 2022

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURBON KY
Recording Date	Jun 18, 2026
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	0001012479
Book / Page	770 / 163
Instrument Date	Jun 11, 2026
Instrument	20261012479
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1856 CLINTONVILLE RD, PARIS, KY 40361-9181

Mortgage

Document Number	0001012479,
Date	Jun 18, 2026
Book Page	770/163
Instrument	20261012479

Lender

Name	STOCK YARDS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BOURBON KY
Recording Date	Jun 11, 2024
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	00D329/531
Book / Page	D329 / 531
Map Reference	CAB C SL 127
Instrument Date	Jun 6, 2024
Instrument	990836
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Tax	$960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 103, WINCHESTER, KY 40392-0103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	975 SPEARS MILL RD, PARIS, KY 40361-9534

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BOURBON KY
Recording Date	Aug 11, 2022
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	0000323/16
Book / Page	323 / 16
Map Reference	CAB C SL 127
Instrument Date	Aug 10, 2022
Instrument	797612
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	975 SPEARS MILL RD, PARIS, KY 40361-9534

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	212 RIVER RUN DR, RICHMOND, KY 40475-7950

Mortgage

Document Number	0000797615
Date	Aug 11, 2022
Instrument	797615

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

January 2013: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOURBON KY
Recording Date	Jan 15, 2013
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	000289/819
Book / Page	289 / 819
Map Reference	CAB C SH171B
Instrument Date	Dec 19, 2012
Instrument	109035
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 WATER ST, JACKSONVILLE, FL 32202-4423

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Investor	Possibly a Property Investor

January 2011: Deed, Transfer

Document Type	Deed
Jurisdiction	BOURBON KY
Recording Date	Jan 19, 2011
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	000283/189
Book / Page	283 / 189
Map Reference	CAB C SL 127
Instrument Date	Jan 10, 2011
Instrument	100163
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1007 SPEARS MILL RD, PARIS, KY 40361-9535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Investor	Possibly a Property Investor

Mortgage

Document Number	0000100166
Date	Jan 19, 2011
Instrument	100166

Lender

Name	PEOPLES EXCHANGE BANK

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 24, 2016

April 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	BOURBON KY
Recording Date	Apr 20, 2006
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	000265/418
Book / Page	265 / 418
Map Reference	CAB C SL177
Instrument Date	Apr 17, 2006
Instrument	76217
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1608 WINCHESTER RD, PARIS, KY 40361-9529

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Investor	Possibly a Property Investor

April 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	BOURBON KY
Recording Date	Apr 20, 2006
Property Address	975 SPEARS MILL RD, PARIS, KY 40361-9534
Document Number	000265/415
Book / Page	265 / 415
Map Reference	CAB C SL127
Instrument Date	Apr 17, 2006
Instrument	76216
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	959 SPEARS MILL RD, PARIS, KY 40361-9534
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 975 Spears Mill Rd was $7,171.

Source: Bourbon County assessment roll, as of December 18, 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	$7,171.00	$835,800 Land $7,800 Building $828,000	$835,800 Land $7,800 Building $828,000
2023	$6,657.00	$856,200 Land $132,000 Building $724,200	$856,200 Land $132,000 Building $724,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 975 Spears Mill Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 975 Spears Mill Rd 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 93% of the US · lower than 92% 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	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 (outdoors only) and 4G LTE

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