Mercer County, KY Property Records
Property records in Mercer, Kentucky, document key details about real estate, including ownership, parcel boundaries, assessed values, property classifications, tax information, deeds, mortgages, liens, and plats. These records are useful for buyers, sellers, property owners, attorneys, lenders, researchers, and anyone verifying ownership history, estimating taxes, or reviewing legal descriptions of land.
Official Mercer property records are maintained primarily by local government offices. The Mercer County Property Valuation Administrator provides assessment and parcel information, while the Mercer County Clerk maintains recorded land documents such as deeds and mortgages. Users can access official assessment resources through the Mercer County PVA’s Mercer property records portal or contact the appropriate county office for certified copies and recorded documents.
Mercer County, KY Property Records & Statistics
Mercer County has a median rent of $717, essentially level with the Kentucky median of $717.50 and below the national median of $840.25. Renter-occupied housing accounts for 22.73% of occupied homes, nearly identical to the state share of 22.74% and slightly above the national share of 21.81%, so the rental market closely mirrors the statewide picture.
The median home value is $179,400, well above the state figure of $128,000 and also above the national figure of $173,750. The median property tax rate of 0.89% is the higher end of the comparison as well, exceeding the Kentucky rate of 0.72% and the national rate of 0.74%. Owners here pay more for housing and carry a heavier tax rate than their counterparts across the state.
Median household income is $59,211, higher than the state median of $51,617.25 but under the national median of $65,108. The unemployment rate of 2.64% is lower than the state rate of 2.94% and the national rate of 2.87%, which indicates a relatively healthy job market.
Overall, Mercer County combines above-average home values and property taxes with solid incomes and low unemployment. Rents remain moderate, so the cost pressure falls mostly on buyers and owners rather than renters.
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Property Records, Assessments, and Valuations in Mercer
Mercer County property records cover tax assessments, recorded deeds and mortgages, property valuations, and foreclosure filings. The county has 11,912 total parcels, including 10,312 residential and 455 commercial parcels, and tax records cover 100% of the population for the 2024 assessment year. Recorded documents include 18,098 deeds and 19,053 mortgages, and valuation data is available for 9,746 properties, with the latest update on August 19, 2025.
| Key Data | Details |
|---|---|
| Total Parcels | 11,912 |
| Residential Parcels | 10,312 |
| Commercial Parcels | 455 |
| Tax Record Coverage | 100% |
| Assessment Year | 2024 |
| Deed Records | 18,098 |
| Mortgage Records | 19,053 |
| Properties with Valuation Data | 9,746 |
| Latest Valuation Update | August 19, 2025 |
| Notice of Sale Records | 6 |
Assignment and Release Records
Assignment and release records track what happens to a mortgage after it is recorded. An assignment shows that a mortgage was transferred from one lender or loan holder to another, while a release shows that a mortgage was paid off and the lien removed from the property.
Mercer County has 24,762 assignment and release records available for research. They include 2,666 assignment documents recorded from January 7, 2005, through August 14, 2025, and 22,059 release documents recorded from January 4, 2005, through August 28, 2025, along with 37 other documents.
These records show who holds a mortgage on a property and whether earlier loans have been satisfied, which is helpful before a purchase, sale, or refinance. They also let researchers follow a loan as it moved between lenders. Search them through the Mercer County Clerk land records.
How to Search Mercer County, KY Property Records
Mercer County property records are maintained by the Mercer County Clerk, who records deeds, mortgages, and other land documents. The county has 11,912 parcels, and its recorded documents can be used to verify ownership, trace transfers, and review loans tied to a property.
Start with the Mercer County Clerk records page for an overview of available records and request information. The Mercer County Clerk land records search is the official place to look up recorded deeds, mortgages, and related documents online.
The Clerk's office is located at 235 South Main Street, Harrodsburg, KY 40330, and is open Monday through Friday from 8:00 AM to 4:30 PM. Call 859-734-6310 if you need help locating a document or want to request copies in person.
To search, have the owner's name, the property address, or a known recording date ready. Enter the most complete information available, review the matching documents, and open the one that fits the property. Recorded deeds in the system begin January 3, 2006, so earlier records may require a call or visit to the office.
Mercer Registrar of Deeds
The Mercer County Probate Office is located at 235 South Main Street, Harrodsburg, KY, 40330 and can be reached at 859-734-6310. Office hours are Monday - Friday: 8:00 AM - 4:30 PM. Records can be accessed through mercer.countyclerk.us or the official website mercer.countyclerk.us.
Mercer County Clerk
Mercer County Property Records FAQ
How can I search Mercer County property records by address?
Use the Mercer County Clerk land records search to look up recorded documents. Records are typically easiest to find by owner name or document type, so if an address search does not turn up what you need, call the Clerk's office at 859-734-6310 for help locating the correct record.
How can I find property owners in Mercer County?
Ownership appears on recorded deeds. Search the Mercer County Clerk land records for the deed that transferred the property, then look at the grantee on the latest deed. The county has 18,098 deed records, so an owner name or recording date helps narrow results.
How can I check a property's assessed value in Mercer County?
Mercer County's tax records reflect the 2024 assessment year, with the latest assessor update on March 3, 2025. In Kentucky, assessments are set by the county Property Valuation Administrator. For a specific parcel, call the County Clerk at 859-734-6310 and staff can direct you to the appropriate office.
Where can I find Mercer County property tax bills and payment records?
In Kentucky, property tax bills are issued and collected locally rather than by the recording office. Call the Mercer County Clerk at 859-734-6310 or visit 235 South Main Street, Harrodsburg, to be directed to the office that handles bills and payments. Bring the owner's name or the property address.
How can I find deeds and other recorded documents in Mercer County?
Deeds, mortgages, and other recorded documents are held by the County Clerk. Search them online through the Mercer County Clerk land records or read the records page for more information. The office is open Monday through Friday, 8:00 AM to 4:30 PM.
Where can I access Mercer County parcel maps and GIS information?
Parcel maps are usually maintained by the county's property valuation office, not the recording office. Recorded deeds often include legal descriptions that help locate a parcel among the county's 11,912 parcels. Call the Mercer County Clerk at 859-734-6310 to learn which office provides current parcel maps.
How can I check permits and zoning information in Mercer County?
Permits and zoning are handled by local planning and building officials. The Mercer County Clerk's office at 235 South Main Street, Harrodsburg, can point you to the right contact at 859-734-6310. If the property lies within a city such as Harrodsburg, check that city's rules as well.
How can I create a list of property owners in Mercer County?
Online land records are built for individual lookups. To compile a list, search the Mercer County Clerk land records by recording date and note the parties on each deed. For a larger or bulk request, call the County Clerk at 859-734-6310 to ask what is available.