Martin County property record for 120 Stepp Br, Lovely, KY 41231
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,530 sqft · built 1975 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Nov 2023) |
| Tax Bill | $1,739 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-09-00-021.00 |
| Primary APN | 064-09-00-021.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Detached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 204 sqft |
| Cooling System | Central |
|---|
| Street Address | 120 STEPP BR |
|---|---|
| City | LOVELY |
| State | KY |
| Zip | 41231-8932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .5 ACRE & IMP |
| Jurisdiction | MARTIN KY |
| Township / Civil Division | THREEFORKS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 950300 |
120 Stepp Br is owned by an individual who bought it in November 2023.
Source: Martin County records, as of February 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 215, WARFIELD, KY 41267-0215 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2023 · Amount on File |
| Deed Sale | Nov 9, 2023 · Amount on File |
| Deed Document Number | 98703 |
| Deed Book / Page | D210 / 474 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN KY |
| Recording Date | Nov 9, 2023 |
| Property Address | 120 STEPP BR, LOVELY, KY 41231-8932 |
| Document Number | 00D210/474 |
| Book / Page | D210 / 474 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 98703 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Title Company | EAGLE TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 215, WARFIELD, KY 41267-0215 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 STEPP BR, LOVELY, KY 41231-8932 |
| Document Number | 0000098704 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 98704 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Number | 0000M167/1 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | M167/1 |
| Instrument | 98705 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 1, 2033 |
The 2025 property tax bill for 120 Stepp Br was $1,739.
Source: Martin County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,739.00 | $120,000 Land $20,000 Building $100,000 | $120,000 Land $20,000 Building $100,000 |
| 2023 | $105.00 Homeowner's exemption | $39,000 (-) Land $12,600 Building $26,400 | $39,000 (-) Land $12,600 Building $26,400 |
| 2022 | $105.00 Homeowner's exemption | $39,000 Land $12,600 Building $26,400 | $39,000 Land $12,600 Building $26,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 120 Stepp Br 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 September 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 13 (1998–2025) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 120 Stepp Br is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 86% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% 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 | MARTIN CO WATER DISTRICT #1 serves 9,003 people · EPA ID KY0800273 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Nov 2023 Total trihalomethanes resolved · Apr 2017 Haloacetic acids resolved · Apr 2017 |
|---|---|
| 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 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
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