Hopkins County property record for 165 Cross St, Mortons Gap, KY 42440
| Property Type | Single Family Home |
|---|---|
| Details | 1,158 sqft · built 1900 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,000 (Oct 2008) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | MGAP-21-21 |
| Primary APN | MGAP-21-21 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,158 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 260 ft deep x 70 ft wide |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 138 sqft |
| Heating Fuel | Gas |
|---|
| Street Address | 165 CROSS ST |
|---|---|
| City | MORTONS GAP |
| State | KY |
| Zip | 42440-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Jurisdiction | HOPKINS KY |
| Township / Civil Division | MADISONVILLE |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 970900 |
165 Cross St is owned and occupied by two individuals who acquired it in November 2013.
Source: Hopkins County records, as of November 18, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 165 CROSS ST, MORTONS GAP, KY 42440-2003 |
| 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 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SERVICE ONE CU INC |
| Dec 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HANCOCK BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2008 · Amount on File |
| Deed Sale | Oct 13, 2008 · Amount on File |
| Deed Document Number | 2008504962 |
| Deed Book / Page | 677 / 28 |
| Last Transfer Date | Nov 15, 2013 |
| Transfer Doc | 000724/265 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOPKINS KY |
| Property Address | 165 CROSS ST, MORTONS GAP, KY 42440-2003 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC |
| Name | Verified Name |
|---|
| Document Number | MTG1369/167 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | MTG 1369/167 |
| Instrument | 2022004732 |
| Name | SERVICE ONE CU INC |
|---|---|
| Type | Credit Union |
| Address | BOWLING GREEN, KY 42102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOPKINS KY |
| Property Address | 165 CROSS ST, MORTONS GAP, KY 42440-2003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 165 CROSS ST, MORTONS GAP, KY 42440-2003 |
| Document Number | 1231/466 |
|---|---|
| Date | Dec 12, 2018 |
| Book Page | 1231/466 |
| Instrument | 2018014084 |
| Name | HANCOCK BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | MADISONVILLE, KY 42431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 11, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Hopkins County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Hopkins County |
| Municipality | Mortons Gap City |
| Unified School District | Hopkins County School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2020 | $20,400 | $20,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Cross St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 27, 2018
| 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 165 Cross St is low, with a 0.02% annual chance of 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 | 0.02% 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 | MORTONS GAP WATER DEPARTMENT serves 1,485 people · EPA ID KY0540269 |
|---|---|
| Water Source | Purchased surface water from SOUTH HOPKINS WATER DISTRICT |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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