Whitley County property record for 1975 River Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba |
| Owner | Individual Name on Record |
| Tax Bill | $3,755 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-00-00-023.00 |
| Primary APN | 042-00-00-023.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Construction Type | Wood |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|
| Street Address | 1975 RIVER RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-8254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.5 ST VNL HS & 3 TRTS @ RED BIRD |
| Legal Tract | 3 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CUMBERLAND FALLS |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 920402 |
Source: Whitley County records, as of April 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK |
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Mar 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage SPROUT MORTAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | May 8, 2026 |
| Property Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Document Number | 0000362927 |
| Book / Page | 741 / 644 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026362927 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Document Number | 0000362927, |
|---|---|
| Date | May 8, 2026 |
| Book Page | 741/644 |
| Instrument | 2026362927 |
| Name | NBKC BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M660/484 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | M660/484 |
| Instrument | 244383 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Mar 10, 2021 |
| Property Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Document Number | 00D560/636 |
| Book / Page | D560 / 636 |
| Instrument Date | Mar 2, 2021 |
| Instrument | 271568 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | IMAG TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Name | Verified Name |
|---|---|
| Address | 1975 RIVER RD, WILLIAMSBURG, KY 40769-8254 |
| Document Number | 00000M6711 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | M671/1 |
| Name | SPROUT MORTAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.68% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.68% |
| Max Rate At Change | 6.68% |
| Index | 1-Year LIBOR |
| Max Rate | 9.68% |
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Unified School District | Whitley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,755.00 (+5.09%) | $479,000 (-) | $479,000 (-) |
| 2023 | $3,573.00 | $479,000 | $479,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 86% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.5% 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 | CUMBERLAND FALLS HIGHWAY WATER DISTRICT serves 9,498 people · EPA ID KY1180093 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2024 |
|---|---|
| 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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