203 Kerney Rd, Williamsburg, KY 40769 Property Records

Whitley County property record for 203 Kerney Rd, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	2,526 sqft
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (May 2019)
Tax Bill	$275 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`110-40-06-018.01`

Property Details

APN / Parcel Number

Primary APN	`110-40-06-018.01`
Alternative APN	`135113`

Interior

Stories	1 Story
Building Area	2,526 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Slab
Porch Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	203 KERNEY RD
City	WILLIAMSBURG
State	KY
Zip	40769-2039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1 ST VNL HS & TRT 2 (1.5 AC HP
Legal Subdivision	HIGHLAND PARK
Legal Tract	2
Legal Lot Number	2
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	3
Census Block	3035
Census Tract	920502

Owner

203 Kerney Rd is owned and occupied by an individual who acquired it in October 2020.

Source: Whitley County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	203 KERNEY RD, WILLIAMSBURG, KY 40769-2039
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
Nov 18, 2020	Quit Claim Deed, Transfer · Conventional Mortgage L&N FCU
May 17, 2019	Warranty Deed, Transfer · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Prior Sale	Jul 14, 2016 · Amount on File
Deed Document Number	2019236822
Deed Book / Page	550 / 640
Last Transfer Date	Oct 31, 2020
Transfer Doc	00D558/914
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITLEY KY
Recording Date	Nov 18, 2020
Property Address	203 KERNEY RD, WILLIAMSBURG, KY 40769-2039
Document Number	00D558/914
Book / Page	D558 / 914
Instrument Date	Oct 31, 2020
Instrument	265250
Transaction Type	Transfer
Record Updated	Mar 25, 2022

Transaction

Tax	$42.50
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 KENNEY RD, 203, WILLIAMSBURG, KY 40769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 KERNEY RD, WILLIAMSBURG, KY 40769-2039

Mortgage

Document Number	000M665408
Date	Nov 18, 2020
Instrument	M665/408

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2040

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	May 17, 2019
Property Address	203 KERNEY RD, WILLIAMSBURG, KY 40769-2039
Document Number	00D550/640
Book / Page	D550 / 640
Instrument Date	May 3, 2019
Instrument	236822
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 SUNSET TRL, 55, WILLIAMSBURG, KY 40769-2045

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	203 KERNEY RD, WILLIAMSBURG, KY 40769-2039

Mortgage

Document Number	000M641473
Date	May 17, 2019
Instrument	M641/473

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 203 Kerney Rd was $275.

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Whitley County
Municipality	Williamsburg City
Unified School District	Williamsburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$275.00	$85,000	$85,000
2023	$286.00	$85,000	$85,000

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

Flood

FEMA maps place 203 Kerney Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	5 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides

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 203 Kerney Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 77% of Kentucky
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILLIAMSBURG WATER DEPARTMENT serves 5,554 people · EPA ID KY1180471
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Zito Media.

Nearby Properties on Kerney Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures