1516 E Hwy 92, Williamsburg, KY 40769 Property Records

Whitley County property record for 1516 E Hwy 92, Williamsburg, KY 40769

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,848 sqft · built 1998
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Oct 2021)
Tax Bill	$1,254 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128-00-00-071.09`

Property Details

APN / Parcel Number

Primary APN	`128-00-00-071.09`
Alternative APN	`136286`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
Basement Area	1,478 sqft
Finished Basement	1,478 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	261,360 sqft (6 acres)
Lot Dimensions	70 ft deep x 28 ft wide
Terrain	Rolling
Driveway	Gravel Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1516 E HIGHWAY 92
City	WILLIAMSBURG
State	KY
Zip	40769-9008
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RESIDENTIA
Legal Description	1998 28X70 EMPRESS & 6 AC+ @ HANGING RK
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	3
Census Block	3008
Census Tract	920502

Owner

1516 E Hwy 92, a mobile home, is owned and occupied by two individuals who bought it in October 2021.

Source: Whitley County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1516 E HIGHWAY 92, WILLIAMSBURG, KY 40769-9008
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST OPTION MORTGAGE LLC
May 8, 2018	Warranty Deed, Transfer · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2021 · Amount on File
Deed Sale	Oct 7, 2021 · Amount on File
Prior Sale	May 8, 2018 · Amount on File
Deed Document Number	2021275602
Deed Book / Page	564 / 379
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Oct 7, 2021
Property Address	1516 E HIGHWAY 92, WILLIAMSBURG, KY 40769-9008
Document Number	00D564/379
Book / Page	D564 / 379
Instrument Date	Oct 4, 2021
Instrument	275602
Transaction Type	Transfer
Record Updated	Mar 25, 2022
Title Company	IMAG TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1516 E HIGHWAY 92, 1516, WILLIAMSBURG, KY 40769-9008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1516 E HIGHWAY 92, WILLIAMSBURG, KY 40769-9008

Mortgage

Document Number	000M681311
Date	Oct 7, 2021
Instrument	M681/311

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	May 8, 2018
Property Address	1516 E HIGHWAY 92, WILLIAMSBURG, KY 40769-9008
Document Number	00000545/1
Book / Page	545 / 1
Instrument Date	May 3, 2018
Instrument	230545
Transaction Type	Transfer
Record Updated	Mar 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1298 STONEY FORK RD, 1298, CORBIN, KY 40701-7815

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1516 E HIGHWAY 92, WILLIAMSBURG, KY 40769-9008

Mortgage

Document Number	0000628360
Date	May 8, 2018
Instrument	628/360

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jun 1, 2023
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 1516 E Hwy 92 was $1,254.

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Whitley County
Unified School District	Whitley County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,254.00	$160,000	$160,000
2023	$1,193.00	$160,000	$160,000

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

Flood

FEMA maps place 1516 E Hwy 92 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 May 17, 2021 · 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	5 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides

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

Wildfire risk around 1516 E Hwy 92 is moderate, ranking above 69% 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	Moderate above 69% of the US · above 82% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 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

May also be available: Zito Media.

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