Pulaski County property record for 249 Cummins Ln, Somerset, KY 42503
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,725 sqft · built 1970 |
| Lot Size | 0.599 acres (26,101 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,500 (Jun 2018) |
| Tax Bill | $1,085 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 048-9-3-28 |
| Primary APN | 048-9-3-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,725 sqft Living Area |
| Basement Area | 1,725 sqft |
| Unfinished Basement | 1,725 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,101 sqft (0.599 acres) |
| Garage Type | Basement |
| Garage Area | 600 sqft |
| Patio Area | 552 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 29426 |
|---|---|
| Street Address | 249 CUMMINS LN |
| City | SOMERSET |
| State | KY |
| Zip | 42503-4585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 76-80 BL C & PT LT 75 SMITH ROLLING GREEN ACRES |
| Legal Subdivision | ROLLING GREEN ACRE |
| Legal Block | C |
| Legal Lot Number | 76-80 |
| Jurisdiction | PULASKI KY |
| Township / Civil Division | SOMERSET |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 930401 |
249 Cummins Ln is owned and occupied by an individual who bought it in June 2018.
Source: Pulaski County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 249 CUMMINS LN, SOMERSET, KY 42503-4585 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2018 · Amount on File |
| Deed Sale | Jun 25, 2018 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PULASKI KY |
| Recording Date | Apr 14, 2026 |
| Property Address | 249 CUMMINS LN, SOMERSET, KY 42503-4585 |
| Instrument Date | Apr 10, 2026 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 27, 2026 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 249 CUMMINS LN, SOMERSET, KY 42503-4585 |
| Date | Apr 14, 2026 |
|---|
| Name | FORCHT BANK NA |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 249 Cummins Ln was $1,085, down 4.2% from the year before.
Source: Pulaski County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Pulaski County |
| Unified School District | Pulaski County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,085.00 (-4.15%) | $150,000 Land $15,000 Building $135,000 | $150,000 Land $15,000 Building $135,000 |
| 2024 | $1,132.00 | ||
| 2023 | $150,000 (-) Land $15,000 Building $135,000 | $150,000 (-) Land $15,000 Building $135,000 | |
| 2022 | $1,207.00 | $150,000 Land $15,000 Building $135,000 | $150,000 Land $15,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 249 Cummins Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 16, 2020
| 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 risk around 249 Cummins Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTERN PULASKI CO WATER DISTRICT serves 23,264 people · EPA ID KY1000363 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 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.
Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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