109 E Cobblestone Ct, Kuttawa, KY 42055 Property Records

Lyon County property record for 109 E Cobblestone Ct, Kuttawa, KY 42055 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,236 sqft
Owner	Individual Name on File
Last Sale	$40,000 (Nov 2023)
Tax Bill	$3,396 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan Nov 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21E-44`

Property Details

APN / Parcel Number

Primary APN	`21E-44`
Alternative APNs	`144047` `144898` `142991`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,236 sqft Total Area

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Account Number	142991
Street Address	109 E COBBLESTONE CT
City	KUTTAWA
State	KY
Zip	42055-6201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERWOOD PLANTATION LOT 44 IMPVT
Legal Subdivision	RIVERWOOD
Legal Lot Number	44
Jurisdiction	LYON KY
Township / Civil Division	EDDYVILLE
Census Block Group	2
Census Block	2127
Census Tract	960101

Owner

Source: Lyon County records · APN 21E-44

Assessment roll updated October 15, 2025 · Last verified January 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 File
Mailing Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY FINANCIAL SERVICES BANK
Nov 03, 2025	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY FINANCIAL SERVICES BANK
Jan 27, 2025	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY FINANCIAL SERVICES BANK
Nov 14, 2023	Warranty Deed, Transfer
Dec 21, 2022	Warranty Deed, Transfer
May 10, 2021	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	00DB189416
Deed Book / Page	DB189 / 416
Record Updated	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON KY
Property Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 RIVERWOOD BLVD, KUTTAWA, KY 42055-6266

Mortgage

Document Number	0MB296/334
Date	Feb 22, 2024
Book Page	MB296/334

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank
Address	BENTON, KY 42025

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Aug 15, 2025

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON KY
Property Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201

Mortgage

Document Number	00M305/657
Date	Nov 03, 2025
Book Page	M305/657
Instrument	473210

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank
Address	221 W 5TH ST, BENTON, KY 42025

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Oct 22, 2050

Interest

Rate Type	Adjustable Rate

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON KY
Property Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201

Mortgage

Document Number	00M301/442
Date	Jan 27, 2025
Book Page	M301/442
Instrument	243046

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank
Address	23 US HIGHWAY 68 W, BENTON, KY 42025

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2055

Interest

Rate Type	Adjustable Rate

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON KY
Recording Date	Nov 14, 2023
Property Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Document Number	0DB189/416
Book / Page	DB189 / 416
Map Reference	CAB 1 SL 107
Instrument Date	Nov 07, 2023
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1877 COUNTY ROAD 470 N, FAIRFIELD, IL 62837-4409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 RIVERWOOD BLVD, KUTTAWA, KY 42055-6266

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON KY
Recording Date	Dec 21, 2022
Property Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Document Number	0DB186/268
Book / Page	DB186 / 268
Map Reference	CAB 1 PG 107
Instrument Date	Dec 16, 2022
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2001 COUNTY ROAD 925 N, FAIRFIELD, IL 62837-2819

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1877 COUNTY ROAD 470 N, FAIRFIELD, IL 62837-4409

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LYON KY
Recording Date	May 10, 2021
Property Address	109 E COBBLESTONE CT, KUTTAWA, KY 42055-6201
Document Number	00DB180/78
Book / Page	DB180 / 78
Map Reference	CAB 1 PG 107
Instrument Date	Mar 01, 2021
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1992 IL HIGHWAY 14, CROSSVILLE, IL 62827-2403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2001 COUNTY ROAD 925 N, FAIRFIELD, IL 62837-2819
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Lyon County records · Assessment roll updated October 15, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,396.00 (+995.48%)	$400,000 (+1,042.86%)	$400,000 (+1,042.86%)
2023	$310.00	$35,000	$35,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lyon County (21143C), updated April 17, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 28 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	DSL	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Zito West Holding, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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