Search KENTUCKY Property Records for Deed, Lien and Title Search KY.

Learn how to search Kentucky Property Records for Deed, Lien and Title Search KY.

BEGIN PROPERTY RECORDS SEARCH HERE

 

1. County Clerk’s Offices Kentucky property records are primarily maintained at the county level. Each county has a County Clerk’s office that manages:

• Property deeds
• Mortgages
• Liens
• Tax records
• Other property-related documents

2. Online Access Many Kentucky counties offer online property record searches:

• Visit your specific county clerk’s website
• Look for sections labeled “Property Records” or “Record Search”
• Some counties use third-party systems like U.S. TITLE RECORDS or VALOR

3. In-Person Research For more detailed searches or older records:

• Visit your local County Clerk’s office in person
• Bring the property address and/or owner’s name
• Staff can assist with accessing physical records
• Some records may require payment for copies

4. Key Information Needed To conduct an effective search, have:

• Property address
• Current or previous owner names
• Parcel ID number (if available)
• Approximate dates of transactions

5. Kentucky Secretary of State For additional lien searches:

• Visit the Secretary of State’s website
• Use the UCC (Uniform Commercial Code) search
• Search by debtor name or file number

6. Professional Services Consider using:

• Title companies
• Abstract companies
• Real estate attorneys For complex searches or legal requirements

7. Additional Resources

• PVA (Property Valuation Administrator) offices for tax assessment records
• Circuit Court records for pending legal actions
• State Archives for historical property records

 

Complete Guide to Kentucky Real Estate Records

Property Deeds

Show Image

Property deeds are the most fundamental real estate records in Kentucky. They document the transfer of ownership from one party to another. Common types include:

• General Warranty Deeds: The most comprehensive deed type, offering the highest level of buyer protection by guaranteeing the seller has clear title to the property and there are no undisclosed liens or encumbrances.
• Special Warranty Deeds: Provides limited warranties, guaranteeing only against issues that occurred during the seller’s ownership period.
• Quitclaim Deeds: Transfers whatever interest the grantor may have in the property without any warranties. Often used between family members or to clear title defects.
• Transfer on Death Deeds: Allows property to pass directly to beneficiaries upon the owner’s death without going through probate.

In Kentucky, deeds must be recorded at the County Clerk’s office in the county where the property is located.

Mortgages and Financing Documents

These records document the financial arrangements related to property purchases:

• Mortgage Deeds: Legal documents pledging the property as security for loan repayment.
• Promissory Notes: Written promises to repay a specified sum of money by a certain date.
• Mortgage Releases/Satisfactions: Documents filed when a mortgage is paid in full, releasing the lender’s claim against the property.
• Loan Modifications: Records of any changes to the original mortgage terms.

Property Tax Records

Kentucky maintains detailed property tax records, which include:

• Property Tax Assessments: Documents showing the assessed value of properties for tax purposes. In Kentucky, property is assessed at 100% of fair market value.
• Property Tax Bills: Annual bills issued by county governments.
• Property Tax Payment Records: Documentation of paid property taxes.
• Tax Liens: Claims against property for unpaid taxes.

These records are typically maintained by the Property Valuation Administrator (PVA) in each Kentucky county.

Plats and Surveys

Plats and surveys show the boundaries and dimensions of properties:

• Subdivision Plats: Maps showing how larger parcels of land have been divided into individual lots.
• Boundary Surveys: Documents showing property lines and boundaries.
• ALTA/NSPS Land Title Surveys: Detailed surveys meeting specific standards set by the American Land Title Association and the National Society of Professional Surveyors.

In Kentucky, plats are typically filed with the County Clerk’s office.

Liens and Encumbrances

These are claims against a property for unpaid debts:

• Mechanics’ Liens: Filed by contractors or suppliers who haven’t been paid for work or materials provided.
• Judgment Liens: Created when a court awards a creditor a judgment against a debtor who owns real estate.
• Tax Liens: Claims against property for unpaid taxes.
• HOA Liens: Filed by homeowners associations for unpaid dues or assessments.

Easements and Rights-of-Way

These documents grant specific rights to use another’s property:

• Utility Easements: Allow utility companies to access or install infrastructure on private property.
• Access Easements: Grant the right to cross someone else’s property to reach another property.
• Conservation Easements: Restrict certain land uses to protect natural resources.

Restrictive Covenants and HOA Documents

These records establish rules and restrictions for properties:

• Declarations of Covenants, Conditions, and Restrictions (CC&Rs): Set out rules governing the use of properties in a development.
• Homeowners Association Bylaws: Establish the operating procedures for HOAs.
• Architectural Review Guidelines: Set standards for the appearance of homes in a community.

Title Records

These documents establish clear ownership:

• Chain of Title: Historical record of all transfers of a property.
• Title Insurance Policies: Protect buyers against future claims of ownership or undiscovered liens.
• Title Commitments: Preliminary reports issued before title insurance, showing the current state of title.

Property Disclosures

Kentucky law requires sellers to disclose certain property conditions:

• Seller’s Disclosure of Property Condition: Form listing known defects and issues with the property.
• Lead-Based Paint Disclosures: Required for homes built before 1978.
• Other Hazard Disclosures: May include information about flooding, radon, or other environmental hazards.

Public Records Affecting Real Estate

Several other public records can impact real estate ownership:

• Marriage and Divorce Records: Can affect property ownership when real estate is involved.
• Probate Records: Include wills and estate distributions that transfer property.
• Court Records: May include judgments or orders affecting real property.

How to Access Kentucky Real Estate Records

Most Kentucky real estate records are public and can be accessed through:

1. County Clerk’s Office: Primary location for deeds, mortgages, and other recorded documents. Each of Kentucky’s 120 counties maintains its own records.
2. Property Valuation Administrator (PVA): Maintains property tax assessment records.
3. Online Portals: Many Kentucky counties now offer online access to real estate records, though the level of accessibility varies by county.
4. Kentucky Land Office: Maintains historical land grant records dating back to the 1700s.

For the most comprehensive title research, many Kentuckians rely on professional title companies or attorneys who specialize in real estate law.

https://www.UsTitleRecords.com

 

KENTUCKY PROPERTY RECORDS – LIEN AND TITLE SEARCH – KS.