Wayne County property record for 181 Willard St, Monticello, KY 42633
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 2,700 sqft · built 1970 |
| Lot Size | 0.35 acres (15,328 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $572 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M1-05-001.00 |
| Primary APN | M1-05-001.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,700 sqft Total Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Metal |
| Lot Area | 15,328 sqft (0.35 acres) |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Cooling System | None |
|---|---|
| Heating System | Other |
| Account Number | 18368 |
|---|---|
| Street Address | 181 WILLARD ST |
| City | MONTICELLO |
| State | KY |
| Zip | 42633-1691 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | WEBSTER ADD |
| Legal Subdivision | WEBSTER ADD |
| Jurisdiction | WAYNE KY |
| Township / Civil Division | MONTICELLO |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 920300 |
Source: Wayne County records, as of September 23, 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 | 561 COUNTRY OAKS LN, MONTICELLO, KY 42633-5145 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 181 WILLARD ST, MONTICELLO, KY 42633-1691 |
| Document Number | 0000167872 |
| Book / Page | 494 / 233 |
| Instrument Date | Jul 3, 2026 |
| Instrument | 2026167872 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | FIVE STAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 115 BIRCH RUN RD, MONTICELLO, KY 42633-8241 |
| Investor | Possibly a Property Investor |
| Document Number | 0000167872, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 494/233 |
| Instrument | 2026167872 |
| Name | UNITED CUMBERLAND BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jul 3, 2028 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
Source: Wayne County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Wayne County |
| Municipality | Monticello City |
| Unified School District | Wayne County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,500 (-) Land $15,000 Building $42,500 | $57,500 (-) Land $15,000 Building $42,500 | |
| 2025 | $572.00 (+40.89%) | $57,500 (+33.72%) | $57,500 (+33.72%) |
| 2023 | $406.00 | $43,000 | $43,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 2, 2009
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTICELLO WATER & SEWER COMMISSION serves 21,000 people · EPA ID KY1160291 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2020 |
| Monitoring and Reporting | 2 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 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Community Telecom Services Cable · Fiber in parts of the area | 250 / 100 |
May also be available: Verizon.
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