Carroll County property record for 980 Lock Rd, Carrollton, KY 41008 · Last verified November 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1991 |
| Square Footage | 2,972 sqft Living Area |
| Lot Size | 233,917 sqft (5.36 acres) |
| Garage | 2,428 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $46,415 (1989) |
| Tax Bill | $2,124.00 (2025) |
| Primary APN | 19-20-02 |
|---|---|
| Alternative APN |
|
| Building Area | 2,972 sqft Living Area |
|---|---|
| Basement Area | 2,972 sqft Basement |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 2 Fireplaces |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Brick Veneer Exterior |
| Foundation Type | Concrete Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 233,917 sqft (5.36 acres) |
| Parking Spaces | 8 Parking Spaces |
| Garage Area | 2,428 sqft Garage |
| Porch | Porch |
| Porch Area | 216 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Electric Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 1631 |
|---|---|
| Street Address | 980 LOCK RD |
| City | CARROLLTON |
| State | KY |
| Zip | 41008-8000 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 5+ ACRES |
| Jurisdiction | CARROLL KY |
| Minor Civil Division | CARROLLTON |
| Census Blockgroup | 3 |
| Census Block | 3033 |
| Census Tract | 950200 |
Source: Carroll County records · APN 19-20-02
Assessment roll updated April 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 980 LOCK RD, CARROLLTON, KY 41008-8000 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST CAPITAL BANK OF KENTUCKY |
| Jan 03, 2017 | Deed of Trust, Mortgage FIRST NATIONAL BANK OF KENTUCKY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 01, 1989 · Amount on Record |
| Deed Sale | Jun 01, 1989 · Amount on Record |
| Deed Doc Number | 107-112 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL KY |
| Recording Date | May 15, 2026 |
| Property Address | 980 LOCK RD, CARROLLTON, KY 41008-8000 |
| Document Number | 0002234417 |
| Book / Page | 303 / 147 |
| Instrument Date | May 06, 2026 |
| Instrument | 20262234417 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 980 LOCK RD, CARROLLTON, KY 41008-8000 |
| Document Number | 0002234417, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 303/147 |
| Instrument | 20262234417 |
| Name | FIRST CAPITAL BANK OF KENTUCKY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 26, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL KY |
| Property Address | 980 LOCK RD, CARROLLTON, KY 41008-8000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 980 LOCK RD, CARROLLTON, KY 41008-8000 |
| Document Number | 00M235/477 |
|---|---|
| Date | Jan 03, 2017 |
| Book Page | M235/477 |
| Instrument | 92001 |
| Name | FIRST NATIONAL BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | CARROLLTON, KY 41008 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Dec 23, 2026 |
Source: Carroll County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Carroll County |
| Unified School District | Carroll County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,124.00 (-0.93%) Homeowner's exemption Additional exemption filed | $255,000 (-) Land $35,000 Building $220,000 | $255,000 (-) Land $35,000 Building $220,000 |
| 2023 | $2,144.00 Homeowner's exemption Additional exemption filed | $255,000 Land $35,000 Building $220,000 | $255,000 Land $35,000 Building $220,000 |
980 Lock Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (21041C), updated March 21, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 37th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — about 1 in 5,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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