{"id":49,"date":"2026-03-22T13:41:56","date_gmt":"2026-03-22T13:41:56","guid":{"rendered":"https:\/\/fayettedeals.com\/?p=49"},"modified":"2026-03-22T13:41:56","modified_gmt":"2026-03-22T13:41:56","slug":"fayette-county-3-20-pre-foreclosures","status":"publish","type":"post","link":"https:\/\/fayettedeals.com\/?p=49","title":{"rendered":"Fayette County 3\/20 Pre-Foreclosures"},"content":{"rendered":"\n\n\n\n
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Lexington, KY | Fayette County Clerk Records<\/p>\n

Lis Pendens Report \u2014 March 20, 2026<\/h1>\n

3 new distressed properties \u2014 full encumbrance data, equity analysis, owner contact info, and direct links<\/p>\n

\n \ud83d\udcc5 Filed: March 20, 2026<\/span>\n \ud83c\udfe0 3 Properties Analyzed<\/span>\n \ud83d\udccb Source: fayettedeeds.com<\/span>\n <\/div>\n<\/div>\n\n\n
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\ud83d\udca1 What Is a Lis Pendens \u2014 and Why Should Investors Care?<\/h2>\n

A lis pendens<\/strong> (“pending lawsuit” in Latin) is a public notice filed in county land records signaling that litigation affecting the property is underway \u2014 foreclosure, lien disputes, tax collection, HOA actions, or other creditor claims. For flippers and wholesalers, these filings surface motivated sellers before a property hits the MLS<\/strong>. The window between filing and court resolution is your opportunity to negotiate directly.<\/p>\n<\/div>\n\n\n

\n\n
\n
\n Property 1 of 3<\/span>\n

664 Gay Pl, Lexington KY 40505<\/h2>\n <\/div>\n
\n \u2696\ufe0f Lis Pendens 3\/20\/26<\/span>\n \ud83c\udfda\ufe0f HUD History<\/span>\n <\/div>\n <\/div>\n\n
\n\n \n
\n
\n
$212,700<\/div>\n
Zestimate<\/div>\n <\/div>\n
\n
$14,539<\/div>\n
Beneficial KY Lien<\/div>\n <\/div>\n
\n
22 yrs<\/div>\n
Owner Since 2004<\/div>\n <\/div>\n
\n
1,584<\/div>\n
Sq Ft<\/div>\n <\/div>\n
\n
1952<\/div>\n
Year Built<\/div>\n <\/div>\n
\n
$1,594<\/div>\n
Est. Rent\/Mo<\/div>\n <\/div>\n <\/div>\n\n \n
\n
\n

Filing Details<\/h3>\n \n
Record<\/td>839\/284<\/td><\/tr>\n
Parties<\/td>Beneficial Kentucky Inc., Lambert Billy W. & Melissa<\/td><\/tr>\n
Cross-Ref<\/td>2440\/493-032<\/td><\/tr>\n
Subdivision<\/td>Meadows, Lot 9, Unit 14-B<\/td><\/tr>\n <\/table>\n <\/div>\n
\n

Encumbrances<\/h3>\n \n
Purchase<\/td>$99,000 (Mar 2004)<\/td><\/tr>\n
Primary Mtg<\/td>$98,223 CTX\/KHC (2004, status unknown)<\/td><\/tr>\n
2nd Lien<\/td>$14,539 Beneficial KY Inc (2006)<\/td><\/tr>\n
KHC Lien<\/td>$20,000 (2011, may be released)<\/td><\/tr>\n <\/table>\n <\/div>\n <\/div>\n\n \n
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\ud83d\udcca Property History \u2014 Been Through Foreclosure Before<\/p>\n

\n 2002: Lis pendens vs Skidmores<\/span>\n \u2192<\/span>\n 2003: HUD forecloses<\/span>\n \u2192<\/span>\n 2004: Lamberts buy $99K<\/span>\n \u2192<\/span>\n 2006: Beneficial KY lien $14.5K<\/span>\n \u2192<\/span>\n 2026: Lis pendens<\/span>\n <\/div>\n <\/div>\n\n \n
\n

\ud83d\udd0d Investor Angle:<\/strong> Beneficial Kentucky Inc. \u2014 a consumer finance lender \u2014 is pursuing a 2006 second mortgage lien of just $14,539. The Lamberts have owned since 2004 and their primary mortgage is 22 years old, suggesting it may be substantially paid down or even paid off. With a Zestimate of $212,700 and the triggering lien only ~$14.5K, there may be real equity here for a pre-foreclosure conversation. The property was HUD-owned before the Lamberts, showing this address has a history of distress that investors have stepped into before.<\/p>\n <\/div>\n\n \n

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\ud83d\udcde Owner Contact Info<\/p>\n

Lambert Billy W. & Melissa Lambert<\/strong> \u2014 664 Gay Pl, Lexington KY 40505<\/p>\n

No phone number found in public web records at time of research. Try WhitePages, TruePeopleSearch, or FastPeopleSearch for current contact info.<\/p>\n <\/div>\n\n \n

\n \ud83c\udfe0 View on Zillow<\/a>\n \ud83d\udcc4 Fayette Deeds<\/a>\n \ud83d\uddfa\ufe0f PVA Record<\/a>\n <\/div>\n\n <\/div>\n<\/div>\n\n\n
\n\n
\n
\n Property 2 of 3 \u2014 Caution: Near Zero Equity<\/span>\n

3255 Aqueduct Dr, Lexington KY 40517<\/h2>\n <\/div>\n
\n \u2696\ufe0f Lis Pendens 3\/20\/26<\/span>\n \u26a1 Bought Jul 2025<\/span>\n <\/div>\n <\/div>\n\n
\n\n \n
\n \ud83d\udea8<\/span>\n
\n

Nearly Underwater \u2014 Foreclosure Filed 8 Months After Purchase<\/p>\n

Owner purchased July 2025, financed $340,657 on a ~$342,200 Zestimate. Movement Mortgage filed lis pendens just 8 months later. Very little equity buffer \u2014 this is a complex negotiation or short sale situation.<\/p>\n <\/div>\n <\/div>\n\n \n

\n
\n
$342,200<\/div>\n
Zestimate<\/div>\n <\/div>\n
\n
$340,657<\/div>\n
Total Mortgages<\/div>\n <\/div>\n
\n
~$1.5K<\/div>\n
Est. Equity<\/div>\n <\/div>\n
\n
2,018<\/div>\n
Sq Ft<\/div>\n <\/div>\n
\n
4 \/ 3<\/div>\n
Bed \/ Bath<\/div>\n <\/div>\n
\n
$2,271<\/div>\n
Est. Rent\/Mo<\/div>\n <\/div>\n <\/div>\n\n
\n
\n

Filing Details<\/h3>\n \n
Record<\/td>839\/282<\/td><\/tr>\n
Owner<\/td>Cross Julia Jaeger<\/td><\/tr>\n
Lender<\/td>Movement Mortgage \/ MERS<\/td><\/tr>\n
Cross-Ref<\/td>4141\/143-032<\/td><\/tr>\n
Subdivision<\/td>Gainesway, Lot 52 Block D<\/td><\/tr>\n <\/table>\n <\/div>\n
\n

Encumbrances<\/h3>\n \n
Purchase<\/td>~$335,000 (Jul 2025)<\/td><\/tr>\n
1st Mortgage<\/td>$328,932 \u2014 Movement Mortgage<\/td><\/tr>\n
2nd Mortgage<\/td>$11,725 \u2014 Movement Mortgage<\/td><\/tr>\n
Total<\/td>$340,657<\/td><\/tr>\n <\/table>\n <\/div>\n <\/div>\n\n
\n

\ud83d\udd0d Investor Angle:<\/strong> This is a classic over-leveraged recent purchase \u2014 $340K in mortgages on a $342K home with a lis pendens just 8 months after closing. Before Jaeger, GFY Inv Inc held the property as a rental (with Fannie Mae involvement prior \u2014 another foreclosure cycle). The rental income potential is strong ($2,271\/mo estimated). Best play for experienced investors: contact the owner early about a deed-in-lieu or negotiate a short payoff with Movement Mortgage before the foreclosure sale locks out your options.<\/p>\n <\/div>\n\n \n

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\ud83d\udcde Owner Contact Info<\/p>\n

Cross Julia Jaeger<\/strong> \u2014 3255 Aqueduct Dr, Lexington KY 40517<\/p>\n

No confirmed phone number found via public web records. A person matching this name was found in Lexington KY on Spokeo but no number was verified for this address. Try WhitePages, TruePeopleSearch, or FastPeopleSearch directly.<\/p>\n <\/div>\n\n

\n \ud83c\udfe0 View on Zillow<\/a>\n \ud83d\udcc4 Fayette Deeds<\/a>\n \ud83d\uddfa\ufe0f PVA Record<\/a>\n <\/div>\n\n <\/div>\n<\/div>\n\n\n
\n\n
\n
\n Property 3 of 3<\/span>\n

720 Ellison Ct, Lexington KY 40505<\/h2>\n <\/div>\n
\n \u2696\ufe0f Lis Pendens 3\/20\/26<\/span>\n \ud83c\udfdb\ufe0f IRS + State Tax<\/span>\n <\/div>\n <\/div>\n\n
\n\n \n
\n
\n
~$150K+<\/div>\n
Est. Current Value<\/div>\n <\/div>\n
\n
$99,900<\/div>\n
2007 Purchase<\/div>\n <\/div>\n
\n
IRS + KY<\/div>\n
Gov’t Liens<\/div>\n <\/div>\n
\n
Townhome<\/div>\n
2005 Built<\/div>\n <\/div>\n
\n
19 yrs<\/div>\n
Owner Since 2007<\/div>\n <\/div>\n
\n
HOA + Tax<\/div>\n
Multiple Creditors<\/div>\n <\/div>\n <\/div>\n\n
\n
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Filing Details<\/h3>\n \n
Record<\/td>839\/320<\/td><\/tr>\n
Parties<\/td>KY Dept of Revenue, Lawton Clyde, Liberty Crossing HOA, IRS<\/td><\/tr>\n
Cross-Ref<\/td>None filed<\/td><\/tr>\n
Subdivision<\/td>Ellison Townhomes, Lot 22<\/td><\/tr>\n <\/table>\n <\/div>\n
\n

Encumbrances<\/h3>\n \n
Purchase<\/td>$99,900 (Jan 2007)<\/td><\/tr>\n
1st Mortgage<\/td>$79,920 IndyMac \u2192 Newrez\/Shellpoint<\/td><\/tr>\n
2nd Mortgage<\/td>$19,980 IndyMac \u2192 Newrez\/Shellpoint<\/td><\/tr>\n
Gov’t Liens<\/td>IRS + KY Revenue (amounts TBD)<\/td><\/tr>\n
HOA Arrears<\/td>Liberty Crossing HOA (amount TBD)<\/td><\/tr>\n <\/table>\n <\/div>\n <\/div>\n\n \n
\n

\ud83d\udccc Note on Mortgage:<\/strong> Both mortgages were originally with IndyMac Bank \u2014 which famously failed in 2008. These loans passed through FDIC receivership and were just assigned to Newrez LLC \/ Shellpoint Mortgage Servicing in December 2025<\/strong>, only 3 months before this lis pendens was filed. The fresh servicer assignment and immediate LP suggests the new servicer triggered action on a delinquent loan.<\/p>\n <\/div>\n\n

\n

\ud83d\udd0d Investor Angle:<\/strong> Long-term owner (19 years) facing pressure from multiple directions \u2014 IRS, state revenue, HOA, and now a freshly activated mortgage servicer. The original purchase was 100% financed ($99,900) but 19 years of payments means significant paydown. Title will be complex given government liens (IRS liens are particularly sticky), but a motivated elderly owner with multiple creditors circling may be open to a negotiated exit. Best approach: direct contact, empathy-first conversation, and a clean cash offer that lets them walk away free and clear.<\/p>\n <\/div>\n\n \n

\n

\ud83d\udcde Owner Contact Info<\/p>\n

Lawton Clyde<\/strong> \u2014 720 Ellison Ct, Lexington KY 40505<\/p>\n

\ud83d\udcf1 (859) 293-2793<\/strong><\/p>\n

\u26a0\ufe0f Disclaimer:<\/strong> This number was sourced from public web records (people-search databases) and has not been independently verified<\/strong>. It may belong to a different person, be out of date, or be incorrect. Always confirm identity before discussing property matters.<\/p>\n <\/div>\n\n

\n \ud83c\udfe0 View on Zillow<\/a>\n \ud83d\udcc4 Fayette Deeds<\/a>\n \ud83d\uddfa\ufe0f PVA Record<\/a>\n <\/div>\n\n <\/div>\n<\/div>\n\n\n
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\ud83d\udcca All Properties at a Glance<\/h2>\n
\n \n \n \n \n \n \n \n
Address<\/th>\n Owner<\/th>\n Est. Value<\/th>\n Key Liens<\/th>\n Phone (Unverified)<\/th>\n Flag<\/th>\n <\/tr>\n <\/thead>\n
664 Gay Pl<\/td>\n Lambert Billy & Melissa<\/td>\n $212,700<\/td>\n $14,539+<\/td>\n Not found<\/td>\n HUD History<\/span><\/td>\n <\/tr>\n
3255 Aqueduct Dr<\/td>\n Cross Julia Jaeger<\/td>\n $342,200<\/td>\n $340,657<\/td>\n Not confirmed<\/td>\n \ud83d\udea8 Near Zero Equity<\/span><\/td>\n <\/tr>\n
720 Ellison Ct<\/td>\n Lawton Clyde<\/td>\n ~$150K+<\/td>\n Mtg + IRS + HOA<\/td>\n (859) 293-2793 \u26a0\ufe0f<\/td>\n Multi-Creditor<\/span><\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n

\u26a0\ufe0f Phone numbers sourced from public web records only \u2014 not independently verified. See individual property sections for details.<\/p>\n<\/div>\n\n\n

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\ud83d\udd0e Do Your Own Due Diligence \u2014 Free Resources<\/h2>\n
\n \n
\ud83d\udcc4 Fayette County Deeds<\/div>\n
Search all land records, deeds, mortgages, and liens. Free public access.<\/div>\n <\/a>\n \n
\ud83c\udfdb\ufe0f Fayette County PVA<\/div>\n
Property assessments, parcel maps, and tax records.<\/div>\n <\/a>\n \n
\ud83c\udfe0 Zillow Lexington<\/div>\n
Zestimates, listings, rent estimates, and comps.<\/div>\n <\/a>\n \n
\ud83d\udd0d TruePeopleSearch<\/div>\n
Free public people search for owner contact info.<\/div>\n <\/a>\n <\/div>\n<\/div>\n\n\n
\n

\u26a0\ufe0f Data Disclaimer:<\/strong> Property data sourced from Fayette County Clerk public records (fayettedeeds.com<\/a>) and publicly available real estate data as of March 20, 2026. Encumbrance figures reflect recorded instruments and may not reflect current payoff balances. Always consult a licensed attorney, title company, and real estate professional before making investment decisions.<\/p>\n

\u26a0\ufe0f Phone Number Disclaimer:<\/strong> Any phone numbers listed in this report were retrieved from public people-search websites (e.g., WhitePages, Spokeo, TruePeopleSearch) and have not been independently verified<\/strong>. These numbers may be outdated, incorrect, or belong to a different individual. Always confirm the identity of any person you contact before discussing real estate matters.<\/p>\n

\ud83e\udd16 AI Disclaimer:<\/strong> This report was researched and written with the assistance of artificial intelligence. While every effort has been made to ensure accuracy, AI systems can make errors, misinterpret records, or miss relevant information. All data should be independently verified through official sources before being relied upon for any investment, legal, or financial decision. This report does not constitute legal or financial advice.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Lexington, KY | Fayette County Clerk Records Lis Pendens Report \u2014 March 20, 2026 3 new distressed properties \u2014 full encumbrance data, equity analysis, owner contact info, and direct links \ud83d\udcc5 Filed: March 20, 2026 \ud83c\udfe0 3 Properties Analyzed \ud83d\udccb Source: fayettedeeds.com \ud83d\udca1 What Is a Lis Pendens \u2014 and Why Should Investors Care? A […]<\/p>\n","protected":false},"author":1,"featured_media":50,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-49","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"jetpack_featured_media_url":"https:\/\/fayettedeals.com\/wp-content\/uploads\/2026\/03\/Screenshot-2026-03-22-at-9.40.42-AM.png","_links":{"self":[{"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/posts\/49","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=49"}],"version-history":[{"count":1,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/posts\/49\/revisions"}],"predecessor-version":[{"id":51,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/posts\/49\/revisions\/51"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=\/wp\/v2\/media\/50"}],"wp:attachment":[{"href":"https:\/\/fayettedeals.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=49"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=49"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fayettedeals.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}