102 Willow St, Fredonia, KY 42411 Property Records

Caldwell County property record for 102 Willow St, Fredonia, KY 42411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft
Owner	Individual Name on File
Last Sale	$70,000 (May 2013)
Tax Bill	$810 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135589-001`

Property Details

APN / Parcel Number

Primary APN	`135589-001`
Alternative APNs	`3-10-3-1` `10672701`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area

Exterior

Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Street Address	102 WILLOW ST
City	FREDONIA
State	KY
Zip	42411-9256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Legal Subdivision	FREDONIA VALLEY ES
Jurisdiction	CALDWELL KY
Township / Civil Division	FREDONIA
Census Block Group	1
Census Block	1016
Census Tract	920100

Owner

102 Willow St is owned and occupied by an individual who bought it in May 2013.

Source: Caldwell County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	102 WILLOW ST, FREDONIA, KY 42411-9256
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK
Feb 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES BANK
Feb 8, 2018	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2013 · Amount on File
Deed Sale	May 17, 2013 · Amount on File
Deed Document Number	0000295494
Deed Book / Page	295 / 494
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	102 WILLOW ST, FREDONIA, KY 42411-9256
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 WILLOW ST, FREDONIA, KY 42411-9256

Mortgage

Document Number	000402/184
Date	Apr 23, 2024
Book Page	402/184

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	102 WILLOW ST, FREDONIA, KY 42411-9256
Transaction Type	Mortgage
Record Updated	Mar 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M321/570
Date	Feb 23, 2017
Book Page	M321/570

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 20, 2047

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL KY
Property Address	102 WILLOW ST, FREDONIA, KY 42411-9256
Transaction Type	Mortgage
Record Updated	Feb 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	332/523
Date	Feb 8, 2018
Book Page	332/523

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Dec 19, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 102 Willow St was $810.

Source: Caldwell County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Caldwell County
Municipality	Fredonia City
Unified School District	Caldwell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$810.00	$75,000	$75,000
2023	$825.00	$75,000	$75,000

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

Flood

FEMA maps place 102 Willow St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 19, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 102 Willow St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FREDONIA WATER DEPARTMENT serves 1,040 people · EPA ID KY0170146
Water Source	Purchased surface water from EDDYVILLE WATER DEPARTMENT
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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