Todd County property record for 106 E Ruth Dr, Elkton, KY 42220
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,196 sqft |
| Lot Size | 0.384 acres (16,747 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Sep 2026) |
| Tax Bill | $39 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | LSD _27 |
| Primary APN | LSD _27 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,747 sqft (0.384 acres) |
| Cooling System | None |
|---|
| Street Address | 106 E RUTH DR |
|---|---|
| City | ELKTON |
| State | KY |
| Zip | 42220-9247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE-LOT |
| Legal Subdivision | RUTH DRIVE ON POND RIVER ROAD |
| Jurisdiction | TODD KY |
| Township / Civil Division | ELKTON |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 950200 |
106 E Ruth Dr is owned and occupied by an individual who bought it in September 2026.
Source: Todd County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 201 MARION ST, ELKTON, KY 42220-9271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2026 · Amount on File |
| Deed Sale | Sep 17, 2026 · Amount on File |
| Deed Document Number | 202610175402 |
| Deed Book / Page | 235 / 105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TODD KY |
| Recording Date | Sep 17, 2026 |
| Property Address | 106 E RUTH DR, ELKTON, KY 42220-9247 |
| Document Number | 0010175402 |
| Book / Page | 235 / 105 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202610175402 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,190.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 MARION ST, ELKTON, KY 42220-9271 |
| Document Number | 0010175410, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 202610175410 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 106 E Ruth Dr was $39 with a homeowner's exemption.
Source: Todd County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Todd County |
| Municipality | Elkton City |
| Unified School District | Todd County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $39.00 Homeowner's exemption | $53,820 | $53,820 |
| 2023 | $62.00 Homeowner's exemption | $53,820 | $53,820 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 106 E Ruth Dr 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 July 22, 2010 · 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 | 3 in force |
| Nearby Flood Claims | 2 (2016–2026) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Feb 2026 · rainfall accumulation |
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 risk around 106 E Ruth Dr is low, with less than 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELKTON WATER WORKS serves 2,780 people · EPA ID KY1100121 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| energynet Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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