Morgan County property record for 162 Zag Rd, West Liberty, KY 41472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,272 sqft |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Oct 2021) |
| Tax Bill | $1,222 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Oct 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-00-00-002.01 |
| Primary APN | 053-00-00-002.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,272 sqft Living Area |
| Exterior Material | Concrete |
|---|---|
| Foundation Type | Block |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 162 ZAG RD |
|---|---|
| City | WEST LIBERTY |
| State | KY |
| Zip | 41472-7620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Jurisdiction | MORGAN KY |
| Township / Civil Division | WRIGLEY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 950200 |
162 Zag Rd is owned and occupied by an individual who bought it in October 2021.
Source: Morgan County records, as of November 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 162 ZAG RD, WEST LIBERTY, KY 41472-7620 |
| 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.
| Date | Document |
|---|---|
| Apr 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE MOUNTAINS INC |
| Oct 14, 2021 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2021 · Amount on File |
| Deed Sale | Oct 14, 2021 · Amount on File |
| Deed Document Number | 84854 |
| Deed Book / Page | 246 / 384 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN KY |
| Property Address | 162 ZAG RD, WEST LIBERTY, KY 41472-7620 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | MB194/0675 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | MB 194/0675 |
| Name | BANK OF THE MOUNTAINS INC |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MORGAN KY |
| Recording Date | Oct 14, 2021 |
| Property Address | 162 ZAG RD, WEST LIBERTY, KY 41472-7620 |
| Document Number | 000246/384 |
| Book / Page | 246 / 384 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 84854 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 981 PRESTONSBURG ST, WEST LIBERTY, KY 41472-1227 |
| Name | Verified Name |
|---|---|
| Address | 162 ZAG RD, WEST LIBERTY, KY 41472-7620 |
The 2025 property tax bill for 162 Zag Rd was $1,222.
Source: Morgan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Morgan County |
| Unified School District | Morgan County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,222.00 | $100,000 | $100,000 |
| 2023 | $1,242.00 | $100,000 | $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 162 Zag Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 15, 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 risk around 162 Zag Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 74% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% 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 | MORGAN COUNTY WATER DISTRICT serves 7,502 people · EPA ID KY0880594 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Apr 2018 |
|---|---|
| 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Rural Telephone Cooperative Fiber | 2,000 / 2,000 |
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