1639 Steward Rd, Sturgis, KY 42459 Property Records

Union County property record for 1639 Steward Rd, Sturgis, KY 42459

Property Summary

Property Type	Single Family Home
Details	576 sqft
Lot Size	4.08 acres (177,725 sqft)
Owner	2 Individual Names on Record
Last Sale	$188,500 (Aug 2026)
Tax Bill	$104 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-16`

Property Details

APN / Parcel Number

Primary APN	`16-16`

Interior

Stories	1 Story
Building Area	576 sqft Adjusted Area
Basement Area	360 sqft
Unfinished Basement	360 sqft

Exterior

Lot Area	177,725 sqft (4.08 acres)
Garage Area	576 sqft
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	1639 STEWARD RD
City	STURGIS
State	KY
Zip	42459-6162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1639 STEWARD RD
Jurisdiction	UNION KY
Township / Civil Division	MORGANFIELD
Census Block Group	2
Census Block	2042
Census Tract	950202

Owner

Source: Union County records, as of August 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1639 STEWARD RD, STURGIS, KY 42459-6162
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC
Apr 17, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK INC
Feb 2, 2024	Other, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on Record
Deed Sale	Aug 4, 2026 · Amount on Record
Prior Sale	Mar 19, 2025 · Amount on Record
Deed Document Number	2026432984
Deed Book / Page	411 / 748
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION KY
Recording Date	Aug 4, 2026
Property Address	1639 STEWARD RD, STURGIS, KY 42459-6162
Document Number	0000432984
Book / Page	411 / 748
Instrument Date	Jul 17, 2026
Instrument	2026432984
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$19,038.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1639 STEWARD RD, STURGIS, KY 42459-6162

Mortgage

Document Number	0000432989,
Date	Aug 4, 2026
Instrument	2026432989

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

Mortgage

Document Number	0000433009,
Date	Aug 4, 2026
Book Page	502/317
Instrument	2026433009

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.47%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	1639 STEWARD RD, STURGIS, KY 42459-6162
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M484/623
Date	Apr 17, 2024
Book Page	M484/623

Lender

Name	FIELD & MAIN BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 2, 2025

February 2024: Other, Transfer

Document Type	Other
Jurisdiction	UNION KY
Recording Date	Feb 2, 2024
Property Address	1639 STEWARD RD, STURGIS, KY 42459-6162
Document Number	00D402/516
Book / Page	D402 / 516
Instrument Date	Feb 2, 2024
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1639 STEWARD RD, STURGIS, KY 42459-6162

Tax Assessment & Valuation

Source: Union County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$104.00 (-0.95%)	$9,936 (-) Land $8,160 Building $1,776	$9,936 (-) Land $8,160 Building $1,776
2023	$105.00	$9,936 Land $8,160 Building $1,776	$9,936 Land $8,160 Building $1,776

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 22, 2025

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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	UNION COUNTY WATER DISTRICT serves 6,117 people · EPA ID KY1130433
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2026 Haloacetic acids resolved · Jan 2026
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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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