196 Cooper Dr, Irvine, KY 40336 Property Records

Estill County property record for 196 Cooper Dr, Irvine, KY 40336

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,584 sqft · built 2017
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,371 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052-00-00-021.03`

Property Details

APN / Parcel Number

Primary APN	`052-00-00-021.03`
Alternative APN	`26071 1`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Basement Area	1,584 sqft
Unfinished Basement	1,584 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	43,560 sqft (1 acres)
View / Lot	Flood Plain/Flood Zone

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	26071 1
Street Address	196 COOPER DR
City	IRVINE
State	KY
Zip	40336-7776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	196 COOPER DR 1 ACRE & HOUSE
Jurisdiction	ESTILL KY
Township / Civil Division	IRVINE
Census Block Group	4
Census Block	4004
Census Tract	920202

Owner

196 Cooper Dr is owned and occupied by two individuals.

Source: Estill County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	196 COOPER DR, IRVINE, KY 40336-7776
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
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Jun 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Recording Date	Apr 6, 2026
Property Address	196 COOPER DR, IRVINE, KY 40336-7776
Document Number	0000259549
Book / Page	13 / 464
Instrument Date	Apr 3, 2026
Instrument	2026259549
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 COOPER DR, IRVINE, KY 40336-7776
Investor	Possibly a Property Investor

Mortgage

Document Number	0000259549,
Date	Apr 6, 2026
Book Page	13/464
Instrument	2026259549

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 3, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Property Address	196 COOPER DR, IRVINE, KY 40336-7776
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT10/671
Date	Jun 15, 2018
Book Page	MT10/671
Instrument	241709

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 196 Cooper Dr was $1,371.

Source: Estill County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$130,000 (-) Land $130,000	$130,000 (-) Land $130,000
2025	$1,371.00	$130,000 Land $130,000	$130,000 Land $130,000
2023	$1,397.00	$130,000 Land $130,000	$130,000 Land $130,000

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

Flood

FEMA maps place 196 Cooper Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 24, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 196 Cooper Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% 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	ESTILL CO WATER DISTRICT serves 9,501 people · EPA ID KY0330123
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Irvine Community Television.

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