Whitley County property record for 1576 River Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,960 sqft · built 2020 |
| Lot Size | 10.3 acres (450,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $40,000 (May 2020) |
| Tax Bill | $807 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage May 2020 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-00-00-042.12 |
| Primary APN | 041-00-00-042.12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 450,454 sqft (10.3 acres) |
| Lot Dimensions | 70 ft deep x 28 ft wide |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1576 RIVER RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-8209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 2020 28X70 CLAY/LT 12(10.34 AC) @WHITE |
| Legal Subdivision | WHITE OAK FARMS |
| Legal Lot Number | 12 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CUMBERLAND FALLS |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 920402 |
Source: Whitley County records, as of April 2, 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 | 1576 RIVER RD, WILLIAMSBURG, KY 40769-8209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage L&N FEDERAL CREDIT UNION |
| May 1, 2020 | Warranty Deed, Construction Loan · Construction Mortgage HOMETOWN BANK OF CORBIN INC |
| Apr 11, 2019 | Warranty Deed, Transfer DGS DEVELOPMENT LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2020 · Amount on Record |
| Deed Sale | May 1, 2020 · Amount on Record |
| Prior Sale | Apr 28, 2020 · Amount on Record |
| Deed Document Number | 2020242377 |
| Deed Book / Page | 555 / 615 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 1576 RIVER RD, WILLIAMSBURG, KY 40769-8209 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M736/608 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | M736/608 |
| Instrument | 352798 |
| Name | L&N FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Jan 1, 2041 |
| Change Frequency | 10 Years |
| Min Rate At Change | 5% |
| Max Rate At Change | 12.2% |
| Index | 10-Year TN |
| Max Rate | 12.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | May 1, 2020 |
| Property Address | 1576 RIVER RD, WILLIAMSBURG, KY 40769-8209 |
| Document Number | 00D555/615 |
| Book / Page | D555 / 615 |
| Map Reference | MB 3 PG 761 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 242377 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 WELLS LN, CORBIN, KY 40701-7861 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 104 WELLS LN, CORBIN, KY 40701-7861 |
| Document Number | 000M654529 |
|---|---|
| Date | May 1, 2020 |
| Instrument | M654/529 |
| Name | HOMETOWN BANK OF CORBIN INC |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Apr 11, 2019 |
| Property Address | 1576 RIVER RD, WILLIAMSBURG, KY 40769-8209 |
| Document Number | 000D550/81 |
| Book / Page | D550 / 81 |
| Map Reference | MB 3 PG 761 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 236205 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2335 BUTTERMILK XING # 318, 318, CRESCENT SPRINGS, KY 41017-1622 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2335 BUTTERMILK XING # 318, 318, CRESCENT SPRINGS, KY 41017-1622 |
| Document Number | 0000M64088 |
|---|---|
| Date | Apr 11, 2019 |
| Instrument | M640/88 |
| Name | DGS DEVELOPMENT LTD |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Mar 28, 2034 |
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 | $807.00 (+5.08%) | $103,000 (-) | $103,000 (-) |
| 2023 | $768.00 | $103,000 | $103,000 |
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 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 86% 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 | CUMBERLAND FALLS HIGHWAY WATER DISTRICT serves 9,498 people · EPA ID KY1180093 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2024 |
|---|---|
| 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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