Floyd County property record for 154 Left Penhook Rd, Harold, KY 41635
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 3,456 sqft · built 2008 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $277,500 (Jul 2023) |
| Tax Bill | $3,348 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 6 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 095-10-19-004.00 |
| Primary APN | 095-10-19-004.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,456 sqft Living Area |
| 1st Floor Area | 3,456 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 165 ft deep x 65 ft wide |
| Garage Area | 460 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 384 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 26731 |
|---|---|
| Street Address | 154 LEFT PENHOOK RD |
| City | HAROLD |
| State | KY |
| Zip | 41635-7001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 0.25 ACRE |
| Legal Subdivision | PINE HOOK CREEK |
| Legal Lot Number | 1 |
| Jurisdiction | FLOYD KY |
| Township / Civil Division | BETSY LAYNE-STANVILLE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 920301 |
Source: Floyd County records, as of May 21, 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 | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust · Conventional Mortgage COMMUNITY TRUST BANK |
| Apr 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK |
| Sep 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Jul 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Sep 9, 2019 | Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP |
| Mar 5, 2018 | Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO |
| Feb 1, 2017 | Deed, Transfer · Conventional Mortgage |
| Feb 1, 2017 | Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2023 · Amount on Record |
| Deed Sale | Jul 11, 2023 · Amount on Record |
| Prior Sale | Sep 9, 2019 · Amount on Record |
| Deed Document Number | 20231186367 |
| Deed Book / Page | 684 / 470 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Recording Date | Apr 22, 2026 |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 0001224197 |
| Book / Page | 823 / 105 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 2026.1224197 |
| Record Updated | May 6, 2026 |
| Title Company | CSC DOCUMENT RECORDING, CSC DOCUMENT RECORDING (RECO |
| Name | Verified Name |
|---|---|
| Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 0001224197, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 823/105 |
| Instrument | 2026.1224197 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Recording Date | Apr 22, 2026 |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 000823/105 |
| Book / Page | 823 / 105 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20261224197 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Name | Verified Name |
|---|---|
| Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 0001224197, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 823/105 |
| Instrument | 20261224197 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 000791/126 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 791/126 |
| Instrument | 1187153 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year T-Bill |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 000789/146 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 789/146 |
| Instrument | 1186368 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jun 28, 2024 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLOYD KY |
| Recording Date | Sep 9, 2019 |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 000648/070 |
| Book / Page | 648 / 070 |
| Instrument Date | Sep 4, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Name | Verified Name |
|---|---|
| Address | 240 SANDY BRANCH RD, HAROLD, KY 41635-6358 |
| Document Number | 000729/001 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 729/001 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLOYD KY |
| Recording Date | Mar 5, 2018 |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 000635/530 |
| Book / Page | 635 / 530 |
| Instrument Date | Feb 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7632 KY ROUTE 40 E, WILLIAMSPORT, KY 41271-9016 |
| Name | Verified Name |
|---|---|
| Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 0000711308 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 711/308 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLOYD KY |
| Recording Date | Feb 1, 2017 |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 627/234 |
| Book / Page | 627 / 234 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 154 LEFT PENHOOK RD, 154, HAROLD, KY 41635-7001 |
| Name | Verified Name |
|---|---|
| Address | 7632 KY ROUTE 40 E, WILLIAMSPORT, KY 41271-9016 |
| Document Number | , 695/094 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 695/094 |
| Type | Lending Institution |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLOYD KY |
| Recording Date | Feb 1, 2017 |
| Property Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Document Number | 000627/234 |
| Book / Page | 627 / 234 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 154 LEFT PENHOOK RD, HAROLD, KY 41635-7001 |
| Name | Verified Name |
|---|---|
| Address | 7632 KY ROUTE 40 E, WILLIAMSPORT, KY 41271-9016 |
| Document Number | 0000695094 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 695/094 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
Source: Floyd County assessment roll, as of December 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Floyd County |
| Unified School District | Floyd County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,348.00 (-0.74%) | $279,000 (-) Land $30,000 Building $249,000 | $279,000 (-) Land $30,000 Building $249,000 |
| 2023 | $3,373.00 (+32.53%) | $279,000 (+32.86%) | $279,000 (+32.86%) |
| 2022 | $2,545.00 | $210,000 | $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (2015–2025) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 80% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHERN WATER & SEWER DISTRICT serves 15,110 people · EPA ID KY0360026 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Feb 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Inter-Mountain Cable Cable | 1,000 / 40 |
| Starlink Satellite | 280 / 30 |
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