114 E Howard St, Glencoe, KY 41046 Property Records

Gallatin County property record for 114 E Howard St, Glencoe, KY 41046

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,344 sqft · built 1996
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$129,900 (Jul 2020)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25A-06-12`

Property Details

APN / Parcel Number

Primary APN	`25A-06-12`
Alternative APN	`6440-1`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	160 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	384 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	6440-1
Street Address	114 E HOWARD ST
City	GLENCOE
State	KY
Zip	41046
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	75 X 160 & DUTCH DOUBLEWIDE 28 X 48
Legal Subdivision	EGELSTON SUBDIVISION
Jurisdiction	GALLATIN KY
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1012
Census Tract	960104

Owner

114 E Howard St, a mobile home, is owned and occupied by two individuals who bought it in July 2020.

Source: Gallatin County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	114 E HOWARD ST, GLENCOE, KY 41046
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	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	Jun 30, 2020 · Amount on File
Deed Document Number	202076041
Deed Book / Page	131 / 396
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLATIN KY
Recording Date	Jul 2, 2020
Property Address	114 E HOWARD ST, GLENCOE, KY 41046
Document Number	00D131/396
Book / Page	D131 / 396
Map Reference	MB 13 PG 549
Instrument Date	Jun 30, 2020
Instrument	76041
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 277, GLENCOE, KY 41046-0277

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	114 E HOWARD ST, GLENCOE, KY 41046

Mortgage

Document Number	000M247695
Date	Jul 2, 2020
Instrument	M247/695

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Mortgage

Document Number	00M247/718
Date	Jul 2, 2020
Book Page	M247/718
Instrument	76043

Lender

Name	KENTUCKY HOUSING CORPORATION
Type	Non-Lending Institution
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 114 E Howard St was $1,369.

Source: Gallatin County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Gallatin County
Municipality	Glencoe City
Unified School District	Gallatin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,000 (-) Land $12,000 Building $117,000	$129,000 (-) Land $12,000 Building $117,000
2025	$1,369.00	$129,000 Land $12,000 Building $117,000	$129,000 Land $12,000 Building $117,000
2023	$1,382.00	$129,000 Land $12,000 Building $117,000	$129,000 Land $12,000 Building $117,000

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

Flood

FEMA maps place 114 E Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 114 E Howard St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Howard St

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