McCreary County property record for 120 State Garage Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,089 sqft · built 1955 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $265 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 106-40-01-002.00 |
| Primary APN | 106-40-01-002.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,089 sqft Living Area |
| Basement Area | 532 sqft |
| Family Room | Family Room |
| Year Built | Built 1955 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Porch | Porch |
| Porch Area | 203 sqft |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Water Source | Commercial |
| Street Address | 120 STATE GARAGE RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 960302 |
120 State Garage Rd is owned and occupied by an individual.
Source: McCreary County records, as of January 29, 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 | Individual Name on File |
|---|---|
| Mailing Address | 120 STATE GARAGE RD, STEARNS, KY 42647-6139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000208352 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 120 State Garage Rd was $265.
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 | $265.00 | $33,000 | $33,000 |
| 2023 | $269.00 | $33,000 | $33,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 State Garage Rd 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 State Garage Rd is moderate, ranking above 63% 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 63% of the US · above 80% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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