McCreary County property record for 191 Valley Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,098 sqft · built 1974 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $248 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-30-02-004.00 |
| Primary APN | 122-30-02-004.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,098 sqft Living Area |
| Basement Area | 1,098 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 32 sqft |
| Heating System | Other |
|---|---|
| Water Source | Commercial |
| Street Address | 191 VALLEY RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 960302 |
191 Valley Rd is owned and occupied by two individuals.
Source: McCreary County records, as of January 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 191 VALLEY RD, STEARNS, KY 42647-6126 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000086610 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 191 Valley Rd was $248.
Source: McCreary County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $248.00 | $80,000 | $80,000 |
| 2023 | $274.00 Homeowner's exemption | $80,000 | $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Valley Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015
| 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 risk around 191 Valley Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 79% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 | MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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