230 Andy Spencer Rd, Eubank, KY 42567 Property Records

Lincoln County property record for 230 Andy Spencer Rd, Eubank, KY 42567

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,518 sqft
Lot Size	14.4 acres (627,308 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,170 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-040C`

Property Details

APN / Parcel Number

Primary APN	`45-040C`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,518 sqft Living Area

Exterior

Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	627,308 sqft (14.4 acres)
Terrain	Rolling
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	230 ANDY SPENCER RD
City	EUBANK
State	KY
Zip	42567-8647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	H & 14.4009 ACS & BRN
Jurisdiction	LINCOLN KY
Township / Civil Division	WAYNESBURG
Census Block Group	2
Census Block	2033
Census Tract	920302

Owner

Source: Lincoln County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	230 ANDY SPENCER RD, EUBANK, KY 42567-8647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 27, 2010
Transfer Doc	0000303161
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	230 ANDY SPENCER RD, EUBANK, KY 42567-8647
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 ANDY SPENCER RD, EUBANK, KY 42567-8647

Mortgage

Document Number	000528/809
Date	Jul 26, 2023
Book Page	528/809
Instrument	2294284

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	230 ANDY SPENCER RD, EUBANK, KY 42567-8647
Transaction Type	Mortgage
Record Updated	Nov 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG504/782
Date	Oct 28, 2021
Book Page	MTG 504/782
Instrument	479494

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,170.00 (-4.26%)	$119,094 (-) Land $10,094 Building $109,000	$119,094 (-) Land $10,094 Building $109,000
2024	$1,222.00
2023		$119,094 Land $119,094	$119,094 Land $119,094

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 September 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% 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	EUBANK WATER SYSTEM serves 12,492 people · EPA ID KY1000124
Water Source	Purchased surface water from SOMERSET WATER SERVICE
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018
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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	50 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

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