Whitley County property record for 23 Hemlock Subdivision Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,620 sqft |
| Lot Size | 3.1 acres (135,036 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Sep 2019) |
| Tax Bill | $1,164 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 090-00-00-144.00 |
| Primary APN | 090-00-00-144.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Basement Area | 1,620 sqft |
| Finished Basement | 1,620 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 135,036 sqft (3.1 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 760 sqft |
| Carport | Carport |
| Carport Area | 760 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 23 HEMLOCK SUBDIVISION RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-9619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N |
| Legal Description | 1 ST BRK HS & 2 TRTS (3.1 @ HEMLOCK |
| Legal Subdivision | HEMLOCK |
| Legal Tract | 2 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CUMBERLAND FALLS |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 920402 |
23 Hemlock Subdivision Rd is owned by two individuals who bought it in September 2019.
Source: Whitley County records, as of April 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 HEMLOCK ST, WILLIAMSBURG, KY 40769-1793 |
| 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.
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Sep 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage L&N FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2019 · Amount on File |
| Deed Sale | Sep 26, 2019 · Amount on File |
| Prior Sale | Sep 20, 2019 · Amount on File |
| Deed Document Number | 2019238981 |
| Deed Book / Page | 552 / 512 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 23 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M694/885 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | M694/885 |
| Instrument | 282398 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 31, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 23 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M671/712 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | M671/712 |
| Instrument | 271836 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Sep 26, 2019 |
| Property Address | 23 HEMLOCK SUBDIVISION RD, WILLIAMSBURG, KY 40769-9619 |
| Document Number | 00D552/512 |
| Book / Page | D552 / 512 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 238981 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1302, WILLIAMSBURG, KY 40769-3302 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 23 HEMLOCK ST, WILLIAMSBURG, KY 40769-1793 |
| Document Number | 000M646184 |
|---|---|
| Date | Sep 26, 2019 |
| Instrument | M646/184 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Oct 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 1-Year LIBOR |
| Max Rate | 11.3% |
The 2025 property tax bill for 23 Hemlock Subdivision Rd was $1,164.
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 | $1,164.00 | $148,500 | $148,500 |
| 2023 | $1,107.00 | $148,500 | $148,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Hemlock Subdivision Rd in Zone X, an area of minimal flood risk.
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 | 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 risk around 23 Hemlock Subdivision Rd is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 83% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
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 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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