239 Cunningham St, Sadieville, KY 40370 Property Records

Scott County property record for 239 Cunningham St, Sadieville, KY 40370

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,930 sqft
Lot Size	0.23 acres (10,006 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (Dec 2019)
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`177-00-136.000`

Property Details

APN / Parcel Number

Primary APN	`177-00-136.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,930 sqft Living Area
1st Floor Area	1,165 sqft
Basement Area	2,002 sqft
Unfinished Basement	2,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Frame
Lot Area	10,006 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	239 CUNNINGHAM ST
City	SADIEVILLE
State	KY
Zip	40370-9524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY SAD
Legal Subdivision	MINOR SUBDIVISION
Legal Tract	1
Jurisdiction	SCOTT KY
Township / Civil Division	SADIEVILLE
Census Block Group	1
Census Block	1065
Census Tract	40400

Owner

239 Cunningham St is owned and occupied by an individual who bought it in December 2019.

Source: Scott County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST COMPANY
Jun 23, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 27, 2019	Deed of Trust, Mortgage · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Dec 27, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2019 · Amount on File
Deed Sale	Dec 27, 2019 · Amount on File
Prior Sale	Sep 7, 2011 · Amount on File
Deed Document Number	2019410007
Deed Book / Page	411 / 384
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Recording Date	Sep 1, 2026
Property Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524
Document Number	0000600861
Book / Page	1916 / 565
Instrument Date	Aug 21, 2026
Instrument	2026600861
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524

Mortgage

Document Number	0000600861,
Date	Sep 1, 2026
Book Page	1916/565
Instrument	2026600861

Lender

Name	CENTRAL BANK & TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 21, 2036

Interest

Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524
Transaction Type	Mortgage
Record Updated	Jul 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524

Mortgage

Document Number	0M1695/605
Date	Jun 23, 2022
Book Page	M1695/605
Instrument	455860

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jun 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT KY
Property Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1481/682
Date	Dec 27, 2019
Book Page	M1481/682
Instrument	410008

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT KY
Recording Date	Dec 27, 2019
Property Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524
Document Number	D411/384
Book / Page	D411 / 384
Map Reference	CAB 5 SL 1862
Instrument Date	Dec 20, 2019
Instrument	410007
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2707 DAVIS RD, 2707, SADIEVILLE, KY 40370-9533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 CUNNINGHAM ST, SADIEVILLE, KY 40370-9524

Tax Assessment & Valuation

The 2025 property tax bill for 239 Cunningham St was $1,364.

Source: Scott County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Scott County
Municipality	Sadieville City
Unified School District	Scott County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$153,200 (-)	$153,200 (-)
2025	$1,364.00	$153,200	$153,200
2023	$1,370.00	$151,200 Land $12,500 Building $138,700	$151,200 Land $12,500 Building $138,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 239 Cunningham St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 239 Cunningham St is low, with a 0.01% annual chance of 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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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