Whitley County property record for 178 Ward Cemetery Rd, Corbin, KY 40701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,226 sqft · built 2015 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,649 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 086-00-00-109.00 |
| Primary APN | 086-00-00-109.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,226 sqft Living Area |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 1,960 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 178 WARD CEMETERY RD |
|---|---|
| City | CORBIN |
| State | KY |
| Zip | 40701-8621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.5 ST VNL HS & 2 AC @ SPR CRK |
| Legal Subdivision | SPRUCE CRK |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CORBIN |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 920302 |
178 Ward Cemetery Rd is owned and occupied by an individual.
Source: Whitley County records, as of April 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 178 WARD CEMETERY RD, CORBIN, KY 40701-8621 |
| 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 |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Jul 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 178 WARD CEMETERY RD, CORBIN, KY 40701-8621 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M684/410 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | M684/410 |
| Instrument | 276614 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Nov 1, 2036 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 9.12% |
| Index | 10-Year TN |
| Max Rate | 9.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 178 WARD CEMETERY RD, CORBIN, KY 40701-8621 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M658/100 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | M658/100 |
| Instrument | 243410 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Jul 1, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.25% |
| Index | 10-Year TN |
| Max Rate | 9.25% |
The 2025 property tax bill for 178 Ward Cemetery Rd was $1,649.
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 | $1,649.00 | $210,340 | $210,340 |
| 2023 | $1,569.00 | $210,340 | $210,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 178 Ward Cemetery Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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.
Wildfire risk around 178 Ward Cemetery Rd is high, ranking above 70% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 83% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Zetalink Fixed Wireless | 200 / 100 |
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