2145 Otter Lake Loop, Hanson, KY 42413 Property Records

Hopkins County property record for 2145 Otter Lake Loop, Hanson, KY 42413

Property Summary

Property Type	Single Family Home
Lot Size	4.03 acres (175,547 sqft)
Owner	2 Individual Names on File
Last Sale	$29,500 (Sep 2023)
Tax Bill	$6,416 (2025)
Deeds & Mortgages	Jan 2018 Construction Loan Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`OTTR-1-3-14`

Property Details

APN / Parcel Number

Primary APN	`OTTR-1-3-14`
Alternative APN	`48849`

Exterior

Lot Area	175,547 sqft (4.03 acres)

Location & Zoning

Account Number	48849
Street Address	2145 OTTER LAKE LOOP
City	HANSON
State	KY
Zip	42413-9652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	ASSESSMENT INCLUDES OTTR-1-3-15
Legal Subdivision	OTTERLAKE ESTATES
Legal Lot Number	14,15
Jurisdiction	HOPKINS KY
Township / Civil Division	NEBO
Census Block Group	1
Census Block	1062
Census Tract	970200

Owner

2145 Otter Lake Loop is owned and occupied by two individuals who bought it in September 2023.

Source: Hopkins County records, as of November 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2145 OTTER LAKE LOOP, HANSON, KY 42413-9652
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
Jan 19, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit FIRST UNITED BANK & TRUST CO
Apr 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023 · Amount on File
Deed Sale	Sep 18, 2023 · Amount on File
Deed Document Number	20239251
Deed Book / Page	817 / 112
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS KY
Property Address	2145 OTTER LAKE LOOP, HANSON, KY 42413-9652
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001204/337
Date	Jan 19, 2018
Book Page	1204/337
Instrument	2018000540

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Dec 29, 2018

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS KY
Property Address	2145 OTTER LAKE LOOP, HANSON, KY 42413-9652
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001263/496
Date	Feb 7, 2020
Book Page	1263/496
Instrument	2020001322

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Jan 16, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS KY
Property Address	2145 OTTER LAKE LOOP, HANSON, KY 42413-9652
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 OTTER LAKE LOOP, HANSON, KY 42413-9652

Mortgage

Document Number	MTG1368/508
Date	Apr 21, 2022
Book Page	MTG 1368/508
Instrument	2022004500

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 28, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 2145 Otter Lake Loop was $6,416.

Source: Hopkins County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Hopkins County
Unified School District	Hopkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,416.00	$641,100	$641,100
2023	$5,829.00	$574,400	$574,400

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

Flood

FEMA maps place 2145 Otter Lake Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2018 · 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

Wildfire risk around 2145 Otter Lake Loop 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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	0.01% 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	NEBO WATER DISTRICT serves 4,702 people · EPA ID KY0540977
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile, Watch TV.

Cell Coverage

4G LTE only, no 5G reported

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