149 Cross St, Mortons Gap, KY 42440 Property Records

Hopkins County property record for 149 Cross St, Mortons Gap, KY 42440

Property Summary

Property Type	Single Family Home
Details	2,927 sqft · built 1998
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$281,500 (Dec 2022)
Tax Bill	$2,850 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MGAP-21-28`

Property Details

APN / Parcel Number

Primary APN	`MGAP-21-28`
Alternative APNs	`36674` `59703`

Interior

Stories	1 Story
Building Area	2,927 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Construction Type	Concrete Block
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	210 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	59703
Street Address	149 CROSS ST
City	MORTONS GAP
State	KY
Zip	42440-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Jurisdiction	HOPKINS KY
Township / Civil Division	MADISONVILLE
Census Block Group	4
Census Block	4039
Census Tract	970900

Owner

149 Cross St is owned and occupied by two individuals who bought it in December 2022.

Source: Hopkins County records, as of October 6, 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	149 CROSS ST, MORTONS GAP, KY 42440-2003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Dec 19, 2022	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on File
Deed Sale	Dec 19, 2022 · Amount on File
Prior Sale	Aug 19, 2008 · Amount on File
Deed Document Number	202213693
Deed Book / Page	810 / 15
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS KY
Recording Date	Sep 25, 2026
Property Address	149 CROSS ST, MORTONS GAP, KY 42440-2003
Document Number	0000009957
Book / Page	1535 / 502
Instrument Date	Jul 22, 2026
Instrument	20269957
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 CROSS ST, MORTONS GAP, KY 42440-2003

Mortgage

Document Number	0000009957,
Date	Sep 25, 2026
Book Page	1535/502
Instrument	20269957

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Jan 1, 2053

Interest

Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS KY
Property Address	149 CROSS ST, MORTONS GAP, KY 42440-2003
Transaction Type	Mortgage
Record Updated	May 9, 2023
Title Company	NOT AVAILABLE, TLT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG1396/282
Date	Dec 19, 2022
Book Page	MTG 1396/282
Instrument	2022013694

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 149 Cross St was $2,850.

Source: Hopkins County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Hopkins County
Municipality	Mortons Gap City
Unified School District	Hopkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,850.00	$281,500	$281,500
2023	$2,889.00	$281,500	$281,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 149 Cross St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2018

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

Wildfire risk around 149 Cross St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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	MORTONS GAP WATER DEPARTMENT serves 1,485 people · EPA ID KY0540269
Water Source	Purchased surface water from SOUTH HOPKINS WATER DISTRICT
Last State Inspection	Oct 2025
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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