Rockcastle County property record for 112 Lower Dr, Mount Vernon, KY 40456
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $12,000 (Jul 2026) |
| Tax Bill | $88 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 034E-14-008&007 |
| Primary APN | 034E-14-008&007 |
|---|---|
| Alternative APNs |
|
| Account Number | 1293001 |
|---|---|
| Street Address | 112 LOWER DR |
| City | MOUNT VERNON |
| State | KY |
| Zip | 40456-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #58 & LOT |
| Legal Subdivision | CARTER HEIGHTS SUBDIVISION |
| Legal Lot Number | 58 |
| Jurisdiction | ROCKCASTLE KY |
| Township / Civil Division | MOUNT VERNON |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 950202 |
112 Lower Dr is owned and occupied by an individual who bought it in July 2026.
Source: Rockcastle County records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 175 DAVIS ST, MOUNT VERNON, KY 40456-2061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK |
| Jul 2, 2018 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on File |
| Deed Sale | Jul 1, 2026 · Amount on File |
| Deed Document Number | 2026 |
| Deed Book / Page | 303 / 199 |
| Prior Transfer Date | Sep 19, 2023 |
| Prior Transfer Doc | 0289000201 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKCASTLE KY |
| Recording Date | Jul 1, 2026 |
| Property Address | 112 LOWER DR, MOUNT VERNON, KY 40456-2002 |
| Document Number | 0303000199 |
| Book / Page | 303 / 199 |
| Instrument Date | May 29, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,212.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 175 DAVIS ST, MOUNT VERNON, KY 40456-2061 |
| Document Number | 0371000560, |
|---|---|
| Date | Jul 1, 2026 |
| Book Page | 371/560 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 1, 2031 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKCASTLE KY |
| Recording Date | Jul 2, 2018 |
| Property Address | 112 LOWER DR, MOUNT VERNON, KY 40456-2002 |
| Document Number | 00D265/322 |
| Book / Page | D265 / 322 |
| Map Reference | MB 1 PG 14 |
| Instrument Date | Jul 1, 2018 |
| Instrument | 150807 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 LOWER DR, MOUNT VERNON, KY 40456-2002 |
The 2025 property tax bill for 112 Lower Dr was $88 with a homeowner's exemption.
Source: Rockcastle County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rockcastle County |
| Municipality | Mount Vernon City |
| Unified School District | Rockcastle County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $88.00 Homeowner's exemption | $60,000 | $60,000 |
| 2023 | $70.00 | $54,900 | $54,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 112 Lower Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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 | 1 in force |
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 112 Lower Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MT VERNON WATER WORKS serves 4,951 people · EPA ID KY1020299 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 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 254 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 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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