Whitley County property record for 2105 River Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1978 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $10,000 (Apr 2019) |
| Tax Bill | $1,242 (2025) |
| Deeds & Mortgages | Mar 2022 Construction Loan Apr 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-00-00-027.00 |
| Primary APN | 042-00-00-027.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Other |
| 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 | 132 sqft |
| Deck Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 2105 RIVER RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-8255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 1 ST FRM HS & 1.5 AC+- @ HILL |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2959 W HIGHWAY 204, WILLIAMSBURG, KY 40769-9125 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2022 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Apr 17, 2019 | Commissioner's Deed, Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2019 · Amount on Record |
| Deed Sale | Apr 17, 2019 · Amount on Record |
| Prior Sale | Apr 1, 2019 · Amount on Record |
| Deed Document Number | 2019236298 |
| Deed Book / Page | 550 / 145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 2105 RIVER RD, WILLIAMSBURG, KY 40769-8255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 2959 W HIGHWAY 204, WILLIAMSBURG, KY 40769-9125 |
| Document Number | 00M688/925 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | M688/925 |
| Instrument | 278795 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Feb 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Feb 25, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Apr 17, 2019 |
| Property Address | 2105 RIVER RD, WILLIAMSBURG, KY 40769-8255 |
| Document Number | 00D550/145 |
| Book / Page | D550 / 145 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 236298 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3308 RIVER RD, WILLIAMSBURG, KY 40769-8309 |
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 | $1,242.00 (+5.08%) | $158,500 (-) | $158,500 (-) |
| 2023 | $1,182.00 | $158,500 | $158,500 |
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 75% of the US · above 87% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.5% 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 10 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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