Webster County property record for 202 Cedar St, Providence, KY 42450
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,152 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $42,500 (Nov 1997) |
| Tax Bill | $556 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | PR3-009-015 |
| Primary APN | PR3-009-015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,152 sqft Finished Area |
| Basement Area | 1,400 sqft |
| Family Room | Family Room |
| Exterior Material | Stucco |
|---|---|
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Porch | Porch |
| Porch Area | 348 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Wall Unit |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2809 |
|---|---|
| Street Address | 202 CEDAR ST |
| City | PROVIDENCE |
| State | KY |
| Zip | 42450-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Jurisdiction | WEBSTER KY |
| Township / Civil Division | PROVIDENCE |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 960400 |
202 Cedar St is owned by two individuals who bought it in November 1997.
Source: Webster County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1201 ELM ST STE 400, 400, DALLAS, TX 75270-2029 |
| 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 |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK |
| Dec 21, 2018 | Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 1997 · Amount on File |
| Deed Sale | Nov 5, 1997 · Amount on File |
| Deed Document Number | 0000228719 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEBSTER KY |
| Recording Date | Jul 14, 2026 |
| Property Address | 202 CEDAR ST, PROVIDENCE, KY 42450-1406 |
| Document Number | 0000472506 |
| Book / Page | 411 / 719 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 2026472506 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 202 CEDAR ST, PROVIDENCE, KY 42450-1406 |
| Document Number | 0000472506, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 411/719 |
| Instrument | 2026472506 |
| Name | INDEPENDENCE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 30, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEBSTER KY |
| Property Address | 202 CEDAR ST, PROVIDENCE, KY 42450-1406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | MTG345/413 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | MTG 345/413 |
| Instrument | 401770 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 30, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 202 Cedar St was $556.
Source: Webster County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Webster County |
| Municipality | Providence City |
| Unified School District | Webster County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $556.00 | $52,600 | $52,600 |
| 2023 | $504.00 | $47,400 | $47,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 202 Cedar St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.
Source: FEMA National Flood Hazard Layer, effective October 7, 2023 · 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 (1994) |
| Most Recent Claim | Jun 1994 · river or lake flooding |
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 202 Cedar St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% 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 | PROVIDENCE WATER WORKS serves 4,538 people · EPA ID KY1170361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Apr 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 295 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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