Whitley County property record for 140 Kernel Ridge Rd, Rockholds, KY 40759
| Property Type | Single Family Home |
|---|---|
| Details | 2,044 sqft |
| Lot Size | 8 acres (348,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $232,600 (Aug 2024) |
| Tax Bill | $1,823 (2025) |
| Deeds & Mortgages | Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 156-00-00-059.00 |
| Primary APN | 156-00-00-059.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,044 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 348,480 sqft (8 acres) |
| Terrain | Rolling |
| Heating Fuel | Coal |
|---|
| Street Address | 140 KERNEL RIDGE RD |
|---|---|
| City | ROCKHOLDS |
| State | KY |
| Zip | 40759-9786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | 1 ST BRK HS & 8 AC+- @ MEADOW CRK |
| Legal Subdivision | MEADOW CRK |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CORBIN |
| Census Block Group | 3 |
| Census Block | 3061 |
| Census Tract | 920302 |
140 Kernel Ridge Rd is owned and occupied by two individuals who bought it in August 2024.
Source: Whitley County records, as of April 2, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 140 KERNEL RIDGE RD, ROCKHOLDS, KY 40759-9786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2024 · Amount on File |
| Deed Sale | Aug 5, 2024 · Amount on File |
| Deed Document Number | 2024319711 |
| Deed Book / Page | 582 / 64 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Aug 5, 2024 |
| Property Address | 140 KERNEL RIDGE RD, ROCKHOLDS, KY 40759-9786 |
| Document Number | 000D582/64 |
| Book / Page | D582 / 64 |
| Instrument Date | Jul 16, 2024 |
| Instrument | 319711 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | IMAG TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $233.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 459 POWDER MILL RD, LONDON, KY 40741-9222 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 140 KERNEL RIDGE RD, ROCKHOLDS, KY 40759-9786 |
| Document Number | 0000319712 |
|---|---|
| Date | Aug 5, 2024 |
| Instrument | 319712 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2054 |
The 2025 property tax bill for 140 Kernel Ridge Rd was $1,823.
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Unified School District | Whitley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,823.00 | $232,600 | $232,600 |
| 2024 | Homeowner's exemption |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 140 Kernel Ridge Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 17, 2021 · 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 |
| Community Rating System | Class 10 (0% premium discount) |
| 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 risk around 140 Kernel Ridge Rd is high, ranking above 75% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 88% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.5% 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 | WHITLEY CO WATER DISTRICT serves 9,825 people · EPA ID KY1180468 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2023 Total trihalomethanes resolved · Jul 2020 |
|---|---|
| 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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