125 Harbour Pointe Dr, Williamstown, KY 41097 Property Records

Grant County property record for 125 Harbour Pointe Dr, Williamstown, KY 41097

Property Summary

Property Type	Single Family Home
Lot Size	0.507 acres (22,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Apr 2026)
Tax Bill	$3,375 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Nov 2017 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`067-14-00-038.00`

Property Details

APN / Parcel Number

Primary APN	`067-14-00-038.00`
Alternative APN	`20139`

Exterior

Lot Area	22,096 sqft (0.507 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	20139
Street Address	125 HARBOUR POINTE DR
City	WILLIAMSTOWN
State	KY
Zip	41097-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & HARBOUR POINTE SEC 2 LOT 38 & 39
Legal Subdivision	HARBOUR POINTE
Legal Lot Number	38-39
Jurisdiction	GRANT KY
Township / Civil Division	WILLIAMSTOWN-DRY RIDGE
Census Block Group	1
Census Block	1039
Census Tract	920302

Owner

Source: Grant County records, as of May 6, 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	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST
Nov 20, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Dec 19, 2023	Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK
Apr 27, 2026	Deed, Transfer · VA Mortgage USAA FSB
Oct 2, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Jan 3, 2024 · Amount on Record
Deed Document Number	2026306782
Deed Book / Page	459 / 114
Prior Transfer Date	Feb 8, 2024
Prior Transfer Doc	0000236493
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANT KY
Property Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M531/703
Date	Oct 10, 2018
Book Page	M531/703
Instrument	694076

Lender

Name	CENTRAL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANT KY
Property Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M520/370
Date	Nov 20, 2017
Book Page	M520/370

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Oct 30, 2018

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANT KY
Property Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M552/177
Date	Feb 13, 2020
Book Page	M552/177
Instrument	172787

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

Interest

Rate Type	Fixed Rate

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRANT KY
Property Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M628/462
Date	Dec 19, 2023
Book Page	M628/462
Instrument	221007

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GRANT KY
Recording Date	Apr 27, 2026
Property Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Document Number	0000306782
Book / Page	459 / 114
Instrument Date	Apr 24, 2026
Instrument	2026.306782
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	KENTUCKY LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$64,135.00
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	Remainderman
Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529

Mortgage

Document Number	0000306786,
Date	Apr 27, 2026
Instrument	2026.306786

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GRANT KY
Recording Date	Oct 2, 2017
Property Address	125 HARBOUR POINTE DR, WILLIAMSTOWN, KY 41097-3529
Document Number	00D393/002
Book / Page	D393 / 002
Instrument Date	Sep 29, 2017
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Amount	Amount Recorded
Tax	$24.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7450 INDUSTRIAL RD, FLORENCE, KY 41042-2916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 FERNWOOD DR, WILLIAMSTOWN, KY 41097-4207

Tax Assessment & Valuation

Source: Grant County assessment roll, as of October 28, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Grant County
Municipality	Williamstown City
Unified School District	Grant County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,375.00 (+7.97%)	$300,000 (-)	$300,000 (-)
2023	$3,126.00	$300,000	$300,000

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 February 27, 2025

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	Under 0.01% 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	WILLIAMSTOWN MUNICIPAL WATER DEPT serves 5,495 people · EPA ID KY0410472
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	3 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	1 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)
altafiber Network Solutions Fiber	2,000 / 2,000
City of Williamstown Fiber	300 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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