186 N Eagle Trace Blvd, Harold, KY 41635 Property Records

Floyd County property record for 186 N Eagle Trace Blvd, Harold, KY 41635

Property Summary

Property Type	Mobile Home
Details	1,776 sqft
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Apr 2021)
Tax Bill	$1,560 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106-20-02-011.00`

Property Details

APN / Parcel Number

Primary APN	`106-20-02-011.00`
Alternative APN	`25290`

Interior

Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft

Exterior

Architectural Style	Mobile Home
Exterior Material	Brick/Stone
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	66 ft deep x 28 ft wide
Driveway	Concrete Driveway
Porch	Slab
Porch Area	72 sqft
Patio Area	240 sqft

Location & Zoning

Account Number	25290
Street Address	186 N EAGLE TRACE BLVD
City	HAROLD
State	KY
Zip	41635-7055
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	MODULAR & LOT #27 (0.43 ACRE)
Legal Subdivision	EAGLE TRCE SUB SEC 2
Legal Lot Number	27
Jurisdiction	FLOYD KY
Township / Civil Division	BETSY LAYNE-STANVILLE
Census Block Group	3
Census Block	3003
Census Tract	920301

Owner

Source: Floyd County records, as of December 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	186 N EAGLE TRACE BLVD, HAROLD, KY 41635-7055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Apr 19, 2021	Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Deed Book / Page	662 / 707
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLOYD KY
Recording Date	Sep 9, 2026
Property Address	186 N EAGLE TRACE BLVD, HAROLD, KY 41635-7055
Document Number	0001227534
Book / Page	828 / 154
Instrument Date	Aug 28, 2026
Instrument	20261227534
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 N EAGLE TRACE BLVD, HAROLD, KY 41635-7055

Mortgage

Document Number	0001227534,
Date	Sep 9, 2026
Book Page	828/154
Instrument	20261227534

Lender

Name	COMMONWEALTH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLOYD KY
Recording Date	Apr 19, 2021
Property Address	186 N EAGLE TRACE BLVD, HAROLD, KY 41635-7055
Document Number	662/707
Book / Page	662 / 707
Instrument Date	Apr 8, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	186 N EAGLE TRACE BLVD, HAROLD, KY 41635-7055

Mortgage

Document Number	756135
Date	Apr 19, 2021
Instrument	756/135

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	000756/158
Date	Apr 19, 2021
Book Page	756/158

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2031

Tax Assessment & Valuation

Source: Floyd County assessment roll, as of December 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Floyd County
Unified School District	Floyd County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,560.00 (-0.7%)	$130,000 (-) Land $30,000 Building $100,000	$130,000 (-) Land $30,000 Building $100,000
2023	$1,571.00	$130,000	$130,000

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 September 15, 2015 · 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 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2015–2025)
Most Recent Claim	Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Feb 2025 · 3 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	High above 79% of the US · above 92% of Kentucky
Wildfire Likelihood	0.7% 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	SOUTHERN WATER & SEWER DISTRICT serves 15,110 people · EPA ID KY0360026
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Feb 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Inter-Mountain Cable Cable · Fiber in parts of the area	1,000 / 40

Cell Coverage

5G and 4G LTE (outdoors only)

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