Whitley County property record for 20 Hemlock Subdivision Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 1,228 sqft |
| Lot Size | 5.26 acres (229,126 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Apr 2022) |
| Tax Bill | $1,736 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Apr 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 090-00-00-004.00 |
| Primary APN | 090-00-00-004.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,228 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 229,126 sqft (5.26 acres) |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 272 sqft |
| Cooling System | Central |
|---|
| Street Address | 20 HEMLOCK SUBDIVISION RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-9619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | 1 ST BRK HS & TRT 1 (5.26 CLIO |
| Legal Subdivision | HEMLOCK SUB |
| Legal Tract | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CUMBERLAND FALLS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 920402 |
20 Hemlock Subdivision Rd is owned by two individuals who bought it in April 2022.
Source: Whitley County records, as of April 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 HEMLOCK ST, WILLIAMSBURG, KY 40769 |
| 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.
| Date | Document |
|---|---|
| Oct 11, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Apr 21, 2022 | Warranty Deed, Transfer · FHA Mortgage FIRST OPTION MORTGAGE LLC |
| Apr 30, 2021 | Intrafamily Transfer, Transfer |
| Jun 29, 2020 | Warranty Deed, Transfer |
| Jul 15, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2022 · Amount on File |
| Deed Sale | Apr 21, 2022 · Amount on File |
| Prior Sale | Apr 15, 2022 · Amount on File |
| Deed Document Number | 2022279640 |
| Deed Book / Page | 567 / 882 |
| Prior Transfer Date | Apr 30, 2021 |
| Prior Transfer Doc | 00D561/662 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 000M709/46 |
|---|---|
| Date | Oct 11, 2023 |
| Book Page | M709/46 |
| Instrument | 300860 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Apr 21, 2022 |
| Property Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 00D567/882 |
| Book / Page | D567 / 882 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 279640 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Title Company | IMAG TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 0000279641 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 279641 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Apr 30, 2021 |
| Property Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 00D561/662 |
| Book / Page | D561 / 662 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 272574 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Jun 29, 2020 |
| Property Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 00D556/423 |
| Book / Page | D556 / 423 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 243323 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12639 RYLE RD, UNION, KY 41091-8422 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 HEMLOCK ST, WILLIAMSBURG, KY 40769 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Jul 15, 2019 |
| Property Address | 20 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 00D551/540 |
| Book / Page | D551 / 540 |
| Instrument Date | Jul 3, 2019 |
| Instrument | 237784 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Tax | $34.50 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1520 PLAZA VISTA, SIERRA VISTA, AZ 85635 |
| Name | Verified Name |
|---|---|
| Address | 12639 RYLE RD, UNION, KY 41091-8422 |
The 2025 property tax bill for 20 Hemlock Subdivision Rd was $1,736.
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 | $1,736.00 | $221,500 | $221,500 |
| 2023 | $1,652.00 | $221,500 | $221,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Hemlock Subdivision Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 20 Hemlock Subdivision Rd is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 83% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 2 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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