Rockcastle County property record for 1133 Sowder School Rd, Mount Vernon, KY 40456
| Property Type | Single Family Home |
|---|---|
| Lot Size | 70.5 acres (3,070,980 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $148 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-036 |
| Primary APN | 047-00-036 |
|---|---|
| Alternative APNs |
|
| Lot Area | 3,070,980 sqft (70.5 acres) |
|---|
| Account Number | 13801 |
|---|---|
| Street Address | 1133 SOWDER SCHOOL RD |
| City | MOUNT VERNON |
| State | KY |
| Zip | 40456-8167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 170.5 ACRES & HOUSE |
| Jurisdiction | ROCKCASTLE KY |
| Township / Civil Division | MOUNT VERNON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950300 |
Source: Rockcastle County records, as of January 22, 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 |
|---|---|
| Mailing Address | 1133 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000126349 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKCASTLE KY |
| Property Address | 1133 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8167 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M296/326 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | M296/326 |
| Instrument | 161639 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
Source: Rockcastle County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rockcastle County |
| Unified School District | Rockcastle County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $148.00 (-5.73%) Homeowner's exemption | $67,200 (+3.07%) | $67,200 (+3.07%) |
| 2023 | $157.00 | $65,200 | $65,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 2 (2010) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 80% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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, as of December 31, 2025
4G LTE (outdoors only), no 5G reported
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