23 Lizard Point Rd, Sturgis, KY 42459 Property Records

Union County property record for 23 Lizard Point Rd, Sturgis, KY 42459

Property Summary

Property Type	Manufactured or Modular Home
Details	1,200 sqft · built 1994
Lot Size	4.59 acres (199,940 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Jan 2024)
Tax Bill	$1,079 (2025)
Deeds & Mortgages	May 2018 Mortgage Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-02-02`

Property Details

APN / Parcel Number

Primary APN	`19-02-02`

Interior

Building Area	1,200 sqft Adjusted Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Modular
Lot Area	199,940 sqft (4.59 acres)
Garage Area	1,200 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	23 LIZARD POINT RD
City	STURGIS
State	KY
Zip	42459-8277
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	23 LIZARD POINT RD
Jurisdiction	UNION KY
Township / Civil Division	STURGIS
Census Block Group	2
Census Block	2017
Census Tract	950300

Owner

Source: Union County records, as of November 18, 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	23 LIZARD POINT RD, STURGIS, KY 42459-8277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2018	Deed of Trust, Mortgage PLANTERS BANK
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EVANSVILLE TEACHERS FEDERAL CREDIT UNION
Jan 10, 2024	Deed, Transfer
Apr 29, 2020	Deed, Transfer · Stand-Alone First Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Apr 29, 2020 · Amount on Record
Deed Document Number	2024363597
Deed Book / Page	402 / 316
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	00D402/316
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	23 LIZARD POINT RD, STURGIS, KY 42459-8277
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000434/0000000733
Date	May 30, 2018
Book Page	0000000434/0000000733
Instrument	180-00001131

Lender

Name	PLANTERS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	116 Months
Due	Jan 1, 2028

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	23 LIZARD POINT RD, STURGIS, KY 42459-8277
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000456/32
Date	Feb 1, 2021
Book Page	456/32

Lender

Name	EVANSVILLE TEACHERS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION KY
Recording Date	Jan 10, 2024
Property Address	23 LIZARD POINT RD, STURGIS, KY 42459-8277
Document Number	00D402/316
Book / Page	D402 / 316
Instrument Date	Dec 21, 2023
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 LIZARD RD, STURGIS, KY 42459

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION KY
Recording Date	Apr 29, 2020
Property Address	23 LIZARD POINT RD, STURGIS, KY 42459-8277
Document Number	000386/586
Book / Page	386 / 586
Instrument Date	Apr 27, 2020
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 N WASHINGTON ST, STURGIS, KY 42459-1455
Investor	Possibly a Property Investor

Mortgage

Document Number	0000449331
Date	Apr 29, 2020
Instrument	449/331

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,079.00 (+39.23%)	$105,000 (+4%) Land $20,000 Building $85,000	$105,000 (+4%) Land $20,000 Building $85,000
2023	$775.00	$75,000 Land $10,000 Building $65,000	$75,000 Land $10,000 Building $65,000

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 October 22, 2025 · 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	2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% 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	UNION COUNTY WATER DISTRICT serves 6,117 people · EPA ID KY1130433
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2026 Haloacetic acids resolved · Jan 2026
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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

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

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