1189 Smith Fork Rd, Phelps, KY 41553 Property Records

Pike County property record for 1189 Smith Fork Rd, Phelps, KY 41553

Property Summary

Property Type	Single Family Home
Details	768 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$32,000 (May 2026)
Tax Bill	$131 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37116`

Property Details

APN / Parcel Number

Primary APN	`37116`

Interior

Building Area	768 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	1189 SMITH FORK RD
City	PHELPS
State	KY
Zip	41553-8811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT ONLY
Jurisdiction	PIKE KY
Township / Civil Division	PHELPS
Census Block Group	3
Census Block	3011
Census Tract	931700

Owner

Source: Pike County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4224 GRISSOM ST, GASTONIA, NC 28056-1326
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK
Jul 2, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Deed Document Number	202637265292
Deed Book / Page	1162 / 628
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	01079/0151
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PIKE KY
Recording Date	May 5, 2026
Property Address	1189 SMITH FORK RD, PHELPS, KY 41553-8811
Document Number	0037265292
Book / Page	1162 / 628
Instrument Date	Apr 21, 2026
Instrument	2026.37265292
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,232.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4224 GRISSOM ST, GASTONIA, NC 28056-1326

Mortgage

Document Number	0037265292,
Date	May 5, 2026
Book Page	1205/748
Instrument	2026.37265292

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	71 Months
Due	Apr 21, 2032

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE KY
Recording Date	May 5, 2026
Property Address	1189 SMITH FORK RD, PHELPS, KY 41553-8811
Document Number	0037265296
Book / Page	1205 / 748
Instrument Date	Apr 21, 2026
Instrument	202637265296
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GENTRY LN, EDGARTON, WV 25672

Mortgage

Document Number	0037265296,
Date	May 5, 2026
Book Page	1205/748
Instrument	202637265296

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	71 Months
Due	Apr 21, 2032

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PIKE KY
Recording Date	Jul 2, 2019
Property Address	1189 SMITH FORK RD, PHELPS, KY 41553-8811
Document Number	01079/0151
Book / Page	1079 / 0151
Instrument Date	Jul 1, 2019
Instrument	365247
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 KING CAMP BR, 139, PHELPS, KY 41553-8910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 CHAPEL DRIVE, GASTONIA, NC 28052

Tax Assessment & Valuation

Source: Pike County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$131.00 (-3.68%)	$10,000 (-)	$10,000 (-)
2023	$136.00	$10,000	$10,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 15, 2022 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979–1981)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1981 · rainfall accumulation

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

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

Wildfire Risk	High above 81% of the US · above 95% of Kentucky
Wildfire Likelihood	0.7% 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	MOUNTAIN WATER DIST serves 44,057 people · EPA ID KY0980575
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Inter-Mountain Cable Cable	1,000 / 40

Cell Coverage

No cell data coverage reported

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