211 State Garage Rd, Stearns, KY 42647 Property Records

McCreary County property record for 211 State Garage Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,620 sqft · built 1971
Lot Size	3.59 acres (156,816 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Dec 2025)
Tax Bill	$1,431 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2009 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`106-40-02-037.00`

Property Details

APN / Parcel Number

Primary APN	`106-40-02-037.00`
Alternative APN	`20028`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,620 sqft Living Area
Basement Area	720 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	156,816 sqft (3.59 acres)
Terrain	Rolling
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft
Deck Area	351 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	211 STATE GARAGE RD
City	STEARNS
State	KY
Zip	42647-6139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.60 AC & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2029
Census Tract	960302

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	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED CUMBERLAND BANK
Apr 17, 2009	Deed of Trust, Mortgage · FHA Mortgage CENTURY LENDING CO
Jul 27, 2012	Deed of Trust, Mortgage · FHA Mortgage CENTURY LENDING CO
Dec 15, 2025	Warranty Deed, Transfer · Conventional Mortgage TRIDENT HOME LOANS LLC
Jul 24, 2023	Deed, Transfer · FHA Mortgage LOWER COM LLC
Apr 4, 2017	Deed, Transfer FIRST SOUTHERN NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Jul 24, 2023 · Amount on Record
Deed Document Number	157386
Deed Book / Page	D243 / 415
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M239/173
Date	May 25, 2022
Book Page	M239/173
Instrument	137458

Lender

Name	UNITED CUMBERLAND BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2052

Interest

Rate Type	Fixed Rate

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000173/227
Date	Apr 17, 2009
Book Page	173/227
Instrument	90471

Lender

Name	CENTURY LENDING CO
Type	Seller
Address	9920 CORPORATE CAMPUS DR STE 30, LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2039

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000188/42
Date	Jul 27, 2012
Book Page	188/42
Instrument	ILLEGIBLE

Lender

Name	CENTURY LENDING CO
Type	Seller
Address	9931 CORPORATE CAMPUS DR STE 1200, LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2042

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Dec 15, 2025
Property Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Document Number	00D243/415
Book / Page	D243 / 415
Instrument Date	Dec 12, 2025
Instrument	157386
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3212 CANE RIDGE RD, CARLISLE, KY 40311-8816

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139

Mortgage

Document Number	0000157417
Date	Dec 15, 2025
Instrument	157417

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Jul 24, 2023
Property Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Document Number	00D234/471
Book / Page	D234 / 471
Map Reference	DB 212 PG 451
Instrument Date	Jul 14, 2023
Instrument	145036
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139

Mortgage

Document Number	0000145040
Date	Jul 24, 2023
Instrument	145040

Lender

Name	LOWER COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Apr 4, 2017
Property Address	211 STATE GARAGE RD, STEARNS, KY 42647-6139
Document Number	00D212/451
Book / Page	D212 / 451
Instrument Date	Mar 28, 2017
Instrument	121844
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4790 DELHI RD, CINCINNATI, OH 45238-5458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 WALLACE LN, STEARNS, KY 42647-6114

Mortgage

Document Number	00M209/194
Date	Apr 4, 2017
Book Page	M209/194

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	SOMERSET, KY 42501

Agreement

Amount	Amount Recorded
Term	83 Months
Due	Mar 28, 2024

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	$1,431.00 (+0.42%)	$178,000 (-)	$178,000 (-)
2024	$1,425.00 (+57.46%)	$178,000 (+60.36%)	$178,000 (+60.36%)
2023	$905.00	$111,000	$111,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 16, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 65% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% 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 44 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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