181 Cope Rd, Benton, KY 42025 Property Records

Marshall County property record for 181 Cope Rd, Benton, KY 42025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,288 sqft · built 2002
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Jul 2021)
Tax Bill	$1,505 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2006 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`38-0C-00-006`

Property Details

APN / Parcel Number

Primary APN	`38-0C-00-006`
Alternative APN	`1072710`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,288 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1072710
Street Address	181 COPE RD
City	BENTON
State	KY
Zip	42025-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SOUTHWIND ESTATES SUBDIVISION
Legal Lot Number	6
Jurisdiction	MARSHALL KY
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1056
Census Tract	950400

Owner

Source: Marshall County records, as of April 14, 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 Record
Mailing Address	181 COPE RD, BENTON, KY 42025-7522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Mar 6, 2006	Deed of Trust, Mortgage · ARM FIRST HORIZON HOME LOAN CORP
Sep 26, 2005	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Mar 6, 2006	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON HOME LOAN CORP
Jul 28, 2021	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC
Aug 30, 2019	Deed, Transfer · Conventional Mortgage MAGNOLIA BANK
Jul 23, 2009	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	20211039041
Deed Book / Page	488 / 591
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL KY
Property Address	181 COPE RD, BENTON, KY 42025-7522
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 COPE RD, BENTON, KY 42025-7522

Mortgage

Document Number	MTG1091/419
Date	Sep 23, 2025
Book Page	MTG1091/419
Instrument	1128884

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	910 CAMPISI WAY STE 2D, CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL KY
Property Address	181 COPE RD, BENTON, KY 42025-7522
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	UNKNOWN, FHHLC POST CLOSING MAIL ROOM

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG568/504
Date	Mar 6, 2006
Book Page	MTG 568/504
Instrument	171145

Lender

Name	FIRST HORIZON HOME LOAN CORP
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2011
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Max Rate	10.8%

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL KY
Property Address	181 COPE RD, BENTON, KY 42025-7522
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG554/692
Date	Sep 26, 2005
Book Page	MTG 554/692
Instrument	166762

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL KY
Property Address	181 COPE RD, BENTON, KY 42025-7522
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG568/524
Date	Mar 6, 2006
Book Page	MTG 568/524
Instrument	171146

Lender

Name	FIRST HORIZON HOME LOAN CORP
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARSHALL KY
Recording Date	Jul 28, 2021
Property Address	181 COPE RD, BENTON, KY 42025-7522
Document Number	DEED488/591
Book / Page	DEED 488 / 591
Map Reference	SL C-186
Instrument Date	Jul 26, 2021
Instrument	1039041
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 COLLEGE FARM RD, 1620, MURRAY, KY 42071-1560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 COPE RD, BENTON, KY 42025-7522

Mortgage

Document Number	1039052
Date	Jul 28, 2021
Instrument	1039052

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MARSHALL KY
Recording Date	Aug 30, 2019
Property Address	181 COPE RD, BENTON, KY 42025-7522
Document Number	DEED470/555
Book / Page	DEED 470 / 555
Map Reference	SL C-186
Instrument Date	Aug 29, 2019
Instrument	1025131
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$127.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 ELM ST APT 211, 1003, BENTON, KY 42025-1330

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	181 COPE RD, BENTON, KY 42025-7522

Mortgage

Document Number	1025130
Date	Aug 30, 2019
Instrument	1025130

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

July 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARSHALL KY
Recording Date	Jul 23, 2009
Property Address	181 COPE RD, BENTON, KY 42025-7522
Document Number	DEED392/013
Book / Page	DEED 392 / 013
Instrument Date	Jul 22, 2009
Instrument	202493
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$118.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 HAYDEN DRA, EDDYVILLE, KY 42038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 COPE RD, BENTON, KY 42025-7522

Mortgage

Document Number	0000202505
Date	Jul 23, 2009
Instrument	202505

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jul 22, 2042

Tax Assessment & Valuation

Source: Marshall County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Benton City
County	Marshall County
Unified School District	Marshall County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,505.00 (-5.35%)	$169,000 (-) Land $20,000 Building $149,000	$169,000 (-) Land $20,000 Building $149,000
2023	$1,590.00	$169,000 Land $20,000 Building $149,000
2022			$169,000 Land $20,000 Building $149,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 12, 2024 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	21 (1979–2016)
Claims Outside the SFHA	7 of 21
Most Recent Claim	Jul 2016 · Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides, Jul 2016 · 4 claims Severe Storms, Tornadoes, Flooding And Mudslides, May 2009 · 2 claims

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BENTON WATER & SEWER serves 7,981 people · EPA ID KY0790029
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 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
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream.

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