1981 Skull Bone Tower Rd, Stearns, KY 42647 Property Records

McCreary County property record for 1981 Skull Bone Tower Rd, Stearns, KY 42647

Property Summary

Property Type	Mobile Home
Lot Size	15.5 acres (677,794 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Jul 2023)
Tax Bill	$1,366 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-00-00-034.01`

Property Details

APN / Parcel Number

Primary APN	`023-00-00-034.01`
Alternative APN	`14300`

Exterior

Lot Area	677,794 sqft (15.5 acres)

Location & Zoning

Street Address	1981 SKULL BONE TOWER RD
City	STEARNS
State	KY
Zip	42647-7116
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	15.56 AC & 01 MH CNVRTD & GAR
Jurisdiction	MCCREARY KY
Township / Civil Division	CO-OPERATIVE
Census Block Group	1
Census Block	1055
Census Tract	960200

Owner

Source: McCreary County records, as of February 2, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1981 SKULL BONE TOWER RD, STEARNS, KY 42647-7116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	144590
Deed Book / Page	D234 / 372
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Jul 5, 2023
Property Address	1981 SKULL BONE TOWER RD, STEARNS, KY 42647-7116
Document Number	00D234/372
Book / Page	D234 / 372
Map Reference	DB 129 PG 423
Instrument Date	Jun 23, 2023
Instrument	144590
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1981 SKULL BONE TOWER RD, STEARNS, KY 42647-7116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 WHEELWRIGHT LN, PONTE VEDRA, FL 32081-8329

Mortgage

Document Number	0000144592
Date	Jul 5, 2023
Instrument	144592

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,366.00 (+0.37%)	$170,000 (-)	$190,000 (-)
2024	$1,361.00 (+608.85%)	$170,000 (+142.86%)	$190,000 (+171.43%)
2023	$192.00 Homeowner's exemption	$70,000	$70,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 16, 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
Nearby Flood Claims	1 (2021)
Most Recent Claim	Mar 2021 · rainfall accumulation

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	Moderate above 64% of the US · above 80% 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.

Drinking Water

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

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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