103 Second St, Loyall, KY 40854 Property Records

Harlan County property record for 103 Second St, Loyall, KY 40854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,432 sqft · built 1950
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Tax Bill	$130 (2025)
Flood Zone	Zone X (reduced by levee)
APN	`057-40-01-014.00`

Property Details

APN / Parcel Number

Primary APN	`057-40-01-014.00`
Alternative APN	`29595`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,432 sqft Living Area

Exterior

Year Built	Built 1950
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	29595
Street Address	103 SECOND ST
City	LOYALL
State	KY
Zip	40854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	HARLAN KY
Township / Civil Division	HARLAN
Census Block Group	3
Census Block	3020
Census Tract	970700

Owner

Source: Harlan County records, as of October 27, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 103, LOYALL, KY 40854-0103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000459625
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Harlan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Harlan County
Unified School District	Harlan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$130.00 (-83.61%) Disabled Person's exemption	$58,800 (-) Land $10,000 Building $48,800	$58,800 (-) Land $10,000 Building $48,800
2023	$793.00	$58,800 Land $10,000 Building $48,800	$58,800 Land $10,000 Building $48,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1979–2016)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 2016 · river or lake flooding

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

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

Wildfire Risk	Moderate above 62% of the US · above 79% of Kentucky
Wildfire Likelihood	0.2% 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	HARLAN MUNICIPAL WATER WORKS serves 4,574 people · EPA ID KY0480178
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harlan Community Television Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20