2189 Howards Creek Rd, Sandy Hook, KY 41171 Property Records

Elliott County property record for 2189 Howards Creek Rd, Sandy Hook, KY 41171

Property Summary

Property Type	Single Family Home
Details	1,080 sqft
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$67,000 (Mar 2019)
Tax Bill	$708 (2025)
Deeds & Mortgages	Mar 2019 Sale & Second Mortgage Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`032-00-00-018.02`

Property Details

APN / Parcel Number

Primary APN	`032-00-00-018.02`

Interior

Stories	1 Story
Building Area	1,080 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Electric

Location & Zoning

Street Address	2189 HOWARDS CREEK RD
City	SANDY HOOK
State	KY
Zip	41171-8556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	RESIDENCE 1.5 ACRES
Jurisdiction	ELLIOTT KY
Township / Civil Division	SANDY HOOK
Census Block Group	3
Census Block	3000
Census Tract	920102

Owner

Source: Elliott County records, as of December 4, 2025

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
Mailing Address	2189 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2019	Deed, Transfer · Stand-Alone Second Mortgage MEMBERS CHOICE CU
Mar 5, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2019 · Amount on Record
Deed Sale	Mar 5, 2019 · Amount on Record
Deed Document Number	12513
Deed Book / Page	D124 / 27
Record Updated	Jun 8, 2026

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ELLIOTT KY
Recording Date	Mar 5, 2019
Property Address	2189 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8556
Document Number	000D124/27
Book / Page	D124 / 27
Instrument Date	Mar 1, 2019
Instrument	12513
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	691 N ARNOLD AVE, 691, PRESTONSBURG, KY 41653-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2189 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8556

Mortgage

Document Number	0000M90/96
Date	Mar 5, 2019
Book Page	M90/96
Instrument	12515

Lender

Name	MEMBERS CHOICE CU
Type	Credit Union
Address	ASHLAND, KY 41105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 15, 2039

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ELLIOTT KY
Recording Date	Mar 5, 2019
Property Address	2189 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8556
Document Number	000D124/32
Book / Page	D124 / 32
Instrument Date	Mar 1, 2019
Instrument	12514
Transaction Type	Transfer
Record Updated	May 1, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4159 DEVILS FORK RD, SANDY HOOK, KY 41171-8934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2189 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8556

Tax Assessment & Valuation

Source: Elliott County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Elliott County
Unified School District	Elliott County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$708.00 (+9.6%)	$67,000 (-) Land $12,500 Building $54,500	$67,000
2023	$646.00	$67,000 Land $12,500 Building $54,500

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 August 5, 2010 · 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 (2021)
Most Recent Claim	Jan 2021 · other causes

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

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

Wildfire Risk	Moderate above 48% of the US · above 74% of Kentucky
Wildfire Likelihood	0.1% 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	SANDY HOOK WATER DISTRICT serves 3,528 people · EPA ID KY0320383
Water Source	Groundwater
Last State Inspection	Sep 2024
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	2 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Rural Telephone Cooperative Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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