108 Cresent Ridge Rd, Stearns, KY 42647 Property Records

McCreary County property record for 108 Cresent Ridge Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	built 2007
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Mar 2007)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`106-30-09-005.00`

Property Details

APN / Parcel Number

Primary APN	`106-30-09-005.00`
Alternative APN	`15331`

Exterior

Year Built	Built 2007
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	108 CRESENT RIDGE RD
City	STEARNS
State	KY
Zip	42647-6357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 & 6 & HSE & POOL
Legal Lot Number	5-6
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2015
Census Tract	960301

Owner

Source: McCreary County records, as of January 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	108 CRESENT RIDGE RD, STEARNS, KY 42647-6357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2007 · Amount on Record
Deed Sale	Mar 28, 2007 · Amount on Record
Deed Document Number	83173
Deed Book / Page	180 / 143
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	108 CRESENT RIDGE RD, STEARNS, KY 42647-6357
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M225/349
Date	Jun 3, 2020
Book Page	M225/349
Instrument	130963

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2050

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	108 CRESENT RIDGE RD, STEARNS, KY 42647-6357
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M241/567
Date	Oct 21, 2022
Book Page	M241/567
Instrument	140891

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 27, 2042

Interest

Rate Type	Fixed Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	108 CRESENT RIDGE RD, STEARNS, KY 42647-6357
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M243/304
Date	Mar 1, 2023
Book Page	M243/304
Instrument	143011

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2052

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,567.00 (+32.46%)	$195,000 (+34.48%)	$195,000 (+34.48%)
2023	$1,183.00	$145,000	$145,000

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 March 16, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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	MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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