119 Laurel Estates Rd, Stearns, KY 42647 Property Records

McCreary County property record for 119 Laurel Estates Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,870 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$38,000 (Jun 2019)
Tax Bill	$594 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`138-20-00-026.00`

Property Details

APN / Parcel Number

Primary APN	`138-20-00-026.00`
Alternative APN	`11157`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,870 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1979
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	388 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Water Source	Commercial

Location & Zoning

Street Address	119 LAUREL ESTATES RD
City	STEARNS
State	KY
Zip	42647-6121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.0 AC & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	1
Census Block	1040
Census Tract	960301

Owner

119 Laurel Estates Rd is owned and occupied by an individual who bought it in June 2019.

Source: McCreary County records, as of January 29, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	119 LAUREL ESTATES RD, STEARNS, KY 42647-6121
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

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED CUMBERLAND BANK
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED CUMBERLAND BANK
Mar 29, 2019	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	Mar 29, 2019 · Amount on File
Deed Document Number	127966
Deed Book / Page	D219 / 445
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	119 LAUREL ESTATES RD, STEARNS, KY 42647-6121
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M232/788
Date	Jul 26, 2021
Book Page	M232/788
Instrument	134447

Lender

Name	UNITED CUMBERLAND BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2051

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Jun 4, 2019
Property Address	119 LAUREL ESTATES RD, STEARNS, KY 42647-6121
Document Number	00D219/445
Book / Page	D219 / 445
Map Reference	DB 218 PG 699
Instrument Date	May 29, 2019
Instrument	127966
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 RAMA WILSON RD, 170, STEARNS, KY 42647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 PIG SKIN RD, STEARNS, KY 42647-6108

Mortgage

Document Number	0000127967
Date	Jun 4, 2019
Instrument	127967

Lender

Name	UNITED CUMBERLAND BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Mar 29, 2019
Property Address	119 LAUREL ESTATES RD, STEARNS, KY 42647-6121
Document Number	00D218/699
Book / Page	D218 / 699
Map Reference	DB 216 PG 193
Instrument Date	Mar 25, 2019
Instrument	127428
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 W 2ND ST, 200, WINSTON SALEM, NC 27101-4019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 RAMA WILSON RD, STEARNS, KY 42647

Tax Assessment & Valuation

The 2025 property tax bill for 119 Laurel Estates Rd was $594.

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$594.00	$73,900	$73,900
2023	$603.00	$73,900	$73,900

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

Flood

FEMA maps place 119 Laurel Estates Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 16, 2015 · 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

Wildfire risk around 119 Laurel Estates Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 80% of Kentucky
Wildfire Likelihood	0.2% 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	MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Highland Telephone Cooperative Fiber	1,000 / 1,000

May also be available: T-Mobile.

Nearby Properties on Laurel Estates Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures