23 Willow Loop, Sturgis, KY 42459 Property Records

Union County property record for 23 Willow Loop, Sturgis, KY 42459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,132 sqft · built 1997
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Aug 2021)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2005 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`40-15A-33`

Property Details

APN / Parcel Number

Primary APN	`40-15A-33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,132 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Area	440 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	23 WILLOW LOOP
City	STURGIS
State	KY
Zip	42459-1798
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23 WILLOW LOOP
Legal Subdivision	ROLLING ACRES
Jurisdiction	UNION KY
Township / Civil Division	STURGIS
Census Block Group	5
Census Block	5032
Census Tract	950300

Owner

Source: Union County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage SOUTH CENTRAL BANK INC
Aug 26, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Nov 14, 2016	Deed of Trust, Mortgage · FHA Mortgage STOCKTON MORTGAGE CORP
Oct 26, 2009	Deed of Trust, Mortgage · Conventional Mortgage INTEGRA BANK NA
Aug 27, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SOUTH CENTRAL BANK
Jul 9, 2019	Deed, Transfer · Stand-Alone First Mortgage KENTUCKY HOUSING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	2021340417
Deed Book / Page	392 / 426
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M495/667
Date	Nov 18, 2025
Book Page	M495/667

Lender

Name	SOUTH CENTRAL BANK INC
Type	Bank

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 20, 2035

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00338/0168
Date	Aug 26, 2005
Book Page	0338/0168
Instrument	00338_00168

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2025

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00425/0623
Date	Nov 14, 2016
Book Page	0425/0623
Instrument	2016-00002640

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2046

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00375/0432
Date	Oct 26, 2009
Book Page	0375/0432
Instrument	2009-00001817

Lender

Name	INTEGRA BANK NA
Type	Bank
Address	EVANSVILLE, IN 47708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2019

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION KY
Recording Date	Aug 27, 2021
Property Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Document Number	000392/426
Book / Page	392 / 426
Instrument Date	Feb 19, 2021
Transaction Type	Transfer
Record Updated	Apr 3, 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	44 WILLOW LOOP, STURGIS, KY 42459-1797

Mortgage

Document Number	0000462230
Date	Aug 27, 2021
Instrument	462/230

Lender

Name	SOUTH CENTRAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION KY
Recording Date	Jul 9, 2019
Property Address	23 WILLOW LOOP, STURGIS, KY 42459-1798
Document Number	000383/410
Book / Page	383 / 410
Instrument Date	Jul 5, 2019
Instrument	257076
Transaction Type	Transfer
Record Updated	Aug 8, 2024
Title Company	FOREMAN WATSON LAND TITLE

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	23 WILLOW LOOP, STURGIS, KY 42459-1798
Investor	Possibly a Property Investor

Mortgage

Document Number	000443/518
Date	Jul 9, 2019
Book Page	443/518
Instrument	257078

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,716.00 (+50.22%)	$175,000 (-) Land $15,000 Building $160,000	$175,000 (-) Land $15,000 Building $160,000
2023	$1,808.00	$175,000 Land $15,000 Building $160,000	$175,000 Land $15,000 Building $160,000

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1999–2013)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Oct 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2011 · 5 claims

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	0.01% 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	STURGIS WATER WORKS serves 3,490 people · EPA ID KY1130422
Water Source	Purchased surface water from UNION COUNTY WATER DISTRICT
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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