157 Gloria Dr, Stearns, KY 42647 Property Records

McCreary County property record for 157 Gloria Dr, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1974
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (Mar 2017)
Tax Bill	$426 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106-30-04-018.00`

Property Details

APN / Parcel Number

Primary APN	`106-30-04-018.00`
Alternative APN	`20008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,125 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1974
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	28 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	157 GLORIA DR
City	STEARNS
State	KY
Zip	42647-6185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2025
Census Tract	960302

Owner

Source: McCreary County records, as of January 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	51 DOC JONES RD, WHITLEY CITY, KY 42653-4002
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2017	Deed of Trust, Mortgage CITIZENS NATIONAL BANK OF SOMERSET
Mar 23, 2017	Deed, Transfer CITIZENS NATIONAL BANK OF SOMERSET

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2017 · Amount on Record
Deed Sale	Mar 23, 2017 · Amount on Record
Deed Document Number	121744
Deed Book / Page	D212 / 381
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	157 GLORIA DR, STEARNS, KY 42647-6185
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M209/78
Date	Mar 23, 2017
Book Page	M209/78
Instrument	121745

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Address	SOMERSET, KY 42502

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 20, 2037

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Mar 23, 2017
Property Address	157 GLORIA DR, STEARNS, KY 42647-6185
Document Number	00D212/381
Book / Page	D212 / 381
Instrument Date	Mar 20, 2017
Instrument	121744
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 23, STEARNS, KY 42647-0023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 S HIGHWAY 1651, WHITLEY CITY, KY 42653-6087

Mortgage

Document Number	000M209/78
Date	Mar 23, 2017
Book Page	M209/78
Instrument	121745

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Address	SOMERSET, KY 42502

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 20, 2037

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$426.00 (-1.39%)	$53,000 (-)	$53,000 (-)
2023	$432.00	$53,000	$53,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 16, 2015

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	Moderate above 63% of the US · above 80% of Kentucky
Wildfire Likelihood	0.2% 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	MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276
Water Source	Surface water
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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