109 Oak St, Hazard, KY 41701 Property Records

Perry County property record for 109 Oak St, Hazard, KY 41701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,800 sqft · built 1917
Lot Size	0.09 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Feb 2019)
Tax Bill	$324 (2023)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101-24 08 025.00`

Property Details

APN / Parcel Number

Primary APN	`101-24 08 025.00`
Alternative APN	`31769`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,800 sqft Total Area
Family Room	Family Room

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Lot Area	4,000 sqft (0.09 acres)
Lot Dimensions	40 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	31769
Street Address	109 OAK ST
City	HAZARD
State	KY
Zip	41701-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 402 PG 678 2-25-2019
Legal Subdivision	CEDAR CRAIG ADD
Legal Block	8
Jurisdiction	PERRY KY
Township / Civil Division	HAZARD
Census Block Group	2
Census Block	2012
Census Tract	970602

Owner

109 Oak St is owned and occupied by two individuals who bought it in February 2019.

Source: Perry County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 992, HAZARD, KY 41702-0992
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on File
Deed Sale	Feb 25, 2019 · Amount on File
Deed Book / Page	402 / 678
Prior Transfer Date	Feb 5, 2019
Prior Transfer Doc	000402/678
Record Updated	Oct 29, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PERRY KY
Recording Date	Feb 25, 2019
Property Address	109 OAK ST, HAZARD, KY 41701-1759
Document Number	000402/678
Book / Page	402 / 678
Map Reference	MB 3 PG 202
Instrument Date	Feb 5, 2019
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 ROCKAWAY ST, 270, HAZARD, KY 41701-1416

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 992, HAZARD, KY 41702-0992

Mortgage

Document Number	0000438703
Date	Feb 25, 2019
Instrument	438/703

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

Tax Assessment & Valuation

Source: Perry County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Perry County
Municipality	Hazard City
Unified School District	Hazard Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$75,000 (+189.58%)	$75,000 (+189.58%)
2025		$25,900	$25,900
2023	$324.00 Homeowner's exemption	$75,000 Land $15,000 Building $60,000	$75,000 Land $15,000 Building $60,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 109 Oak St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective August 14, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2011–2025)
Most Recent Claim	Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Feb 2025 · 2 claims

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 109 Oak St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% 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	HAZARD WATER DEPARTMENT serves 26,730 people · EPA ID KY0970184
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Thacker-Grigsby Telephone Fiber	1,000 / 1,000

May also be available: T-Mobile.

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