114 Chapman, Lovely, KY 41231 Property Records

Martin County property record for 114 Chapman, Lovely, KY 41231

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1984
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$103,880 (Jan 2021)
Tax Bill	$1,467 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`054-01-03-004.00`

Property Details

APN / Parcel Number

Primary APN	`054-01-03-004.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Composition/Composite
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	105 ft deep x 100 ft wide
View / Lot	Flood Plain/Flood Zone
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	72 sqft

Location & Zoning

Street Address	114 CHAPMAN BTM
City	LOVELY
State	KY
Zip	41231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.24 ACRE & IMP
Legal Subdivision	J S BONHAM
Jurisdiction	MARTIN KY
Township / Civil Division	WARFIELD
Census Block Group	3
Census Block	3023
Census Tract	950100

Owner

114 Chapman is owned by two individuals who bought it in January 2021.

Source: Martin County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 29, INEZ, KY 41224-0029
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2018	Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HOUSING CORP
Jan 11, 2021	Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Deed Document Number	202194013
Deed Book / Page	202 / 302
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN KY
Property Address	114 CHAPMAN BTM, LOVELY, KY 41231
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M151/473
Date	Jan 22, 2018
Book Page	M151/473
Instrument	88860

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN KY
Property Address	114 CHAPMAN BTM, LOVELY, KY 41231
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M159/457
Date	Jan 11, 2021
Book Page	M159/457
Instrument	94019

Lender

Name	KENTUCKY HOUSING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MARTIN KY
Recording Date	Jan 11, 2021
Property Address	114 CHAPMAN BTM, LOVELY, KY 41231
Document Number	00D202/302
Book / Page	D202 / 302
Map Reference	DB 196 PG 156
Instrument Date	Dec 22, 2020
Instrument	94016
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CHAPMAN BOTTOM, LOVELY, KY 41231

Mortgage

Document Number	00M159/443
Date	Jan 11, 2021
Book Page	M159/443
Instrument	94018

Lender

Name	POLARIS HOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 114 Chapman was $1,467.

Source: Martin County assessment roll, as of February 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,467.00	$100,000 Land $10,000 Building $90,000	$100,000 Land $10,000 Building $90,000
2023	$1,458.00	$100,000 Land $10,000 Building $90,000	$100,000 Land $10,000 Building $90,000

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

Flood

FEMA maps place 114 Chapman in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	81 (1978–2025)
Claims Outside the SFHA	12 of 81
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 · 25 claims Severe Storms, Tornadoes, Flooding, And Mudslides, May 2004 · 6 claims Severe Winter Ice And Snow Storms, Heavy Rain, Flooding, Tornadoes, And Mud And, Feb 2003 · 8 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 114 Chapman is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 84% of Kentucky
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	MARTIN CO WATER DISTRICT #1 serves 9,003 people · EPA ID KY0800273
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Nov 2023 Total trihalomethanes resolved · Apr 2017 Haloacetic acids resolved · Apr 2017
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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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