Whitley County property record for 185 Derby Trl, Corbin, KY 40701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,136 sqft |
| Lot Size | 3.36 acres (146,362 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (May 2024) |
| Tax Bill | $1,444 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 102-20-00-088.00 |
| Primary APN | 102-20-00-088.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 2,136 sqft Living Area |
| Basement Area | 416 sqft |
| Finished Basement | 416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 146,362 sqft (3.36 acres) |
| Terrain | Rolling |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 185 DERBY TRL |
|---|---|
| City | CORBIN |
| State | KY |
| Zip | 40701-8578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 2 ST BRK HS & LTS 43-43A-4 44A-120 @ TATTERSALL |
| Legal Subdivision | DERBY TRAIL |
| Legal Lot Number | 43-43 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CORBIN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 920302 |
185 Derby Trl is owned and occupied by two individuals who bought it in May 2024.
Source: Whitley County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 DERBY TRL, CORBIN, KY 40701-8578 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · VA Mortgage STATE BANK |
| Jun 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 23, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST VOLUNTEER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2024 · Amount on File |
| Deed Sale | May 30, 2024 · Amount on File |
| Prior Sale | Jun 15, 2022 · Amount on File |
| Deed Document Number | 2024315069 |
| Deed Book / Page | 580 / 877 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Jun 24, 2026 |
| Property Address | 185 DERBY TRL, CORBIN, KY 40701-8578 |
| Document Number | 0000366121 |
| Book / Page | 743 / 844 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 2026366121 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 185 DERBY TRL, CORBIN, KY 40701-8578 |
| Investor | Possibly a Property Investor |
| Document Number | 0000366121, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 743/844 |
| Instrument | 2026366121 |
| Name | STATE BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Jun 15, 2022 |
| Property Address | 185 DERBY TRL, CORBIN, KY 40701-8578 |
| Document Number | 000D569/40 |
| Book / Page | D569 / 40 |
| Map Reference | MB 3 PG 20 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 280974 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Title Company | KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TTL I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $445.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 248 HIGHWAY 2392, 248, CORBIN, KY 40701-5058 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 195 DERBY TRL, CORBIN, KY 40701-8578 |
| Document Number | 0000280976 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 280976 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 185 DERBY TRL, CORBIN, KY 40701-8578 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 185 DERBY TRL, CORBIN, KY 40701-8578 |
| Document Number | 000617/743 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 617/743 |
| Instrument | 225372 |
| Name | FIRST VOLUNTEER BANK |
|---|---|
| Type | Bank |
| Address | JELLICO, TN 37762 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | May 20, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 185 Derby Trl was $1,444 with a homeowner's exemption.
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Unified School District | Corbin Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,444.00 | $495,000 | $495,000 |
| 2023 | $1,582.00 | $469,500 | $469,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Derby Trl 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 | 2 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 185 Derby Trl is high, ranking above 70% of the US, with a 0.4% 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 | 0.4% 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 | CORBIN UTILITIES COMMISSION serves 16,065 people · EPA ID KY1180085 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2025–2027) 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 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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