1877 Cottingham Pratt Rd, Sebree, KY 42455 Property Records

Webster County property record for 1877 Cottingham Pratt Rd, Sebree, KY 42455

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,929 sqft · built 2004
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$9,000 (Apr 2003)
Tax Bill	$2,554 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-007-003`

Property Details

APN / Parcel Number

Primary APN	`072-007-003`
Alternative APNs	`10997` `6412` `6375`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,929 sqft Finished Area
Basement Area	1,088 sqft
Family Room	Family Room

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	30 sqft
Porch	Porch
Porch Area	204 sqft
Patio Area	1,072 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	6375
Street Address	1877 COTTINGHAM PRATT RD
City	SEBREE
State	KY
Zip	42455-9772
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.50 ACRES
Jurisdiction	WEBSTER KY
Township / Civil Division	SEBREE
Census Block Group	2
Census Block	2060
Census Tract	960100

Owner

1877 Cottingham Pratt Rd is owned and occupied by two individuals who bought it in April 2003.

Source: Webster County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1877 COTTINGHAM PRATT RD, SEBREE, KY 42455-9772
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2003 · Amount on File
Deed Sale	Apr 11, 2003 · Amount on File
Deed Document Number	0000248768
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	1877 COTTINGHAM PRATT RD, SEBREE, KY 42455-9772
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1877 COTTINGHAM PRATT RD, SEBREE, KY 42455-9772

Mortgage

Document Number	MTG343/094
Date	Aug 14, 2018
Book Page	MTG 343/094
Instrument	400811

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jul 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	1877 COTTINGHAM PRATT RD, SEBREE, KY 42455-9772
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG351/414
Date	Jan 6, 2020
Book Page	MTG 351/414
Instrument	405585

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1877 Cottingham Pratt Rd was $2,554.

Source: Webster County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,554.00	$227,700	$227,700
2023	$2,570.00	$227,700	$227,700

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

Flood

FEMA maps place 1877 Cottingham Pratt Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 7, 2023

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.

Wildfire

Wildfire risk around 1877 Cottingham Pratt Rd is low, with a 0.01% annual chance of 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	0.01% 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	WEBSTER CO WATER DISTRICT serves 5,940 people · EPA ID KY1170995
Water Source	Surface water
Last State Inspection	Jun 2023
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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Watch TV Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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