McCreary County property record for 120 Phillips Ln, Stearns, KY 42647
| Property Type | Vacant Land |
|---|---|
| Lot Size | 3.39 acres (147,668 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $37,500 (Aug 2024) |
| Tax Bill | $301 (2025) |
| Deeds & Mortgages | Aug 2024 Sale Feb 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-00-00-006.02 |
| Primary APN | 105-00-00-006.02 |
|---|---|
| Alternative APN |
|
| Lot Area | 147,668 sqft (3.39 acres) |
|---|
| Street Address | 120 PHILLIPS LN |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LOT 8 (3.39 AC) |
| Legal Lot Number | 8 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 960301 |
120 Phillips Ln, vacant land, is owned by two individuals who bought it in August 2024.
Source: McCreary County records, as of January 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 126, WHITLEY CITY, KY 42653-0126 |
| 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.
| Date | Document |
|---|---|
| Aug 2, 2024 | Warranty Deed, Transfer |
| Feb 14, 2023 | Warranty Deed, Transfer |
| May 2, 2022 | Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK |
| Sep 23, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2024 · Amount on File |
| Deed Sale | Aug 1, 2024 · Amount on File |
| Prior Sale | May 2, 2022 · Amount on File |
| Deed Document Number | 0000238476 |
| Deed Book / Page | D233 / 71 |
| Prior Transfer Date | Feb 14, 2023 |
| Prior Transfer Doc | 142694 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Aug 2, 2024 |
| Property Address | 120 PHILLIPS LN, STEARNS, KY 42647 |
| Document Number | 00D238/476 |
| Book / Page | D238 / 476 |
| Instrument Date | Aug 1, 2024 |
| Instrument | 150525 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $37.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 PHILLIPS LN, STEARNS, KY 42647-6206 |
| Name | Verified Name |
|---|---|
| Address | 38 ROSE OF SHARON DR, WHITLEY CITY, KY 42653-6067 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Feb 14, 2023 |
| Property Address | 120 PHILLIPS LN, STEARNS, KY 42647 |
| Document Number | 000D233/71 |
| Book / Page | D233 / 71 |
| Map Reference | DB 230 PG 579 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 142694 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $28.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 66 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6240 |
| Name | Verified Name |
|---|---|
| Address | 90 PHILLIPS LN, STEARNS, KY 42647-6206 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | May 2, 2022 |
| Property Address | 120 PHILLIPS LN, STEARNS, KY 42647 |
| Document Number | 00D229/572 |
| Book / Page | D229 / 572 |
| Map Reference | DB 227 PG 257 |
| Instrument Date | Apr 25, 2022 |
| Instrument | 137076 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 833 SANDHILL RD, WHITLEY CITY, KY 42653-4298 |
| Name | Verified Name |
|---|---|
| Address | 190 CUKVEK LANE, STEARNS, KY 42647 |
| Document Number | 0000137077 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 137077 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Apr 25, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Sep 23, 2021 |
| Property Address | 120 PHILLIPS LN, STEARNS, KY 42647 |
| Document Number | 00D227/257 |
| Book / Page | D227 / 257 |
| Map Reference | DB 110 PG 415 |
| Instrument Date | Sep 23, 2021 |
| Instrument | 135131 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $3.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 PHILLIPS LN, STEARNS, KY 42647-6206 |
| Name | Verified Name |
|---|---|
| Address | 833 SANDHILL RD, WHITLEY CITY, KY 42653-4298 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 120 Phillips Ln was $301, up 25.4% from the year before.
Source: McCreary County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $301.00 (+25.42%) | $37,500 (+25%) | $37,500 (+25%) |
| 2024 | $240.00 (-1.64%) | $30,000 (-) | $30,000 (-) |
| 2023 | $244.00 | $30,000 | $30,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Phillips Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 120 Phillips Ln is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 81% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 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 |
| 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, based on 48 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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