Wayne County property record for 164 Cherry St, Monticello, KY 42633 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 520 sqft · built 1945 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Apr 2026) |
| Tax Bill | $731 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Feb 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M3-23-023.00 |
| Primary APN | M3-23-023.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 520 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Wood |
| Sewer | Connected |
| Account Number | 23610 |
|---|---|
| Street Address | 164 CHERRY ST |
| City | MONTICELLO |
| State | KY |
| Zip | 42633-1051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY ST |
| Legal Subdivision | SET IRON AND CAP |
| Jurisdiction | WAYNE KY |
| Township / Civil Division | MONTICELLO |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 920300 |
Source: Wayne County records · APN M3-23-023.00
Assessment roll updated November 7, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 131 WINNA DR, MONTICELLO, KY 42633-3725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK |
| Feb 26, 2018 | Deed of Trust, Mortgage · USDA Mortgage UNITED STATES OF AMERICA |
| Jun 25, 2018 | Deed of Trust, Mortgage FAHE INC |
| Sep 11, 2018 | Deed of Trust, Mortgage FAHE INC |
| Feb 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage APPALACHIAN COMMUNITY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 22, 2026 · Amount on Record |
| Deed Sale | Apr 22, 2026 · Amount on Record |
| Prior Sale | Feb 26, 2018 · Amount on Record |
| Deed Document Number | 2026166726 |
| Deed Book / Page | 422 / 796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WAYNE KY |
| Recording Date | Apr 22, 2026 |
| Property Address | 164 CHERRY ST, MONTICELLO, KY 42633-1051 |
| Document Number | 0000166726 |
| Book / Page | 422 / 796 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.166726 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,130.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000166727, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 2026.166727 |
| Name | CITIZENS NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 22, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE KY |
| Property Address | 164 CHERRY ST, MONTICELLO, KY 42633-1051 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 413/198 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 413/198 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Feb 15, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE KY |
| Property Address | 164 CHERRY ST, MONTICELLO, KY 42633-1051 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 415/603 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 415/603 |
| Name | FAHE INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jun 20, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE KY |
| Property Address | 164 CHERRY ST, MONTICELLO, KY 42633-1051 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2018 |
| Name | Verified Name |
|---|
| Document Number | 417/291 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 417/291 |
| Name | FAHE INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAYNE KY |
| Recording Date | Feb 26, 2018 |
| Property Address | 164 CHERRY ST, MONTICELLO, KY 42633-1051 |
| Document Number | 375/629 |
| Book / Page | 375 / 629 |
| Map Reference | DD 348 PG 055 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2021 |
| Title Company | KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1738, LONDON, KY 40743-1738 |
| Name | Verified Name |
|---|---|
| Address | 164 CHERRY ST, MONTICELLO, KY 42633-1051 |
| Document Number | 413184 |
|---|---|
| Date | Feb 26, 2018 |
| Instrument | 413/184 |
| Name | APPALACHIAN COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Wayne County records · Assessment roll updated November 7, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Wayne County |
| Municipality | Monticello City |
| Unified School District | Wayne County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $731.00 (+21.83%) Homeowner's exemption | $122,500 (+11.36%) | $122,500 (+11.36%) |
| 2023 | $600.00 Homeowner's exemption | $110,000 | $110,000 |
Source: FEMA National Flood Hazard Layer, Wayne County (21231C), updated September 2, 2009 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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