Estill County property record for 261 Main St, Irvine, KY 40336
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 4,199 sqft · built 1880 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Sep 2025) |
| Tax Bill | $2,635 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 071-10-00-137.00 |
| Primary APN | 071-10-00-137.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 4,199 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,148 sqft (0.21 acres) |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Concrete Driveway |
| Porch | Slab |
| Porch Area | 132 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 24432 1 |
|---|---|
| Street Address | 261 MAIN ST |
| City | IRVINE |
| State | KY |
| Zip | 40336-1058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 261 MAIN ST LOT 80X150 & HOUSE |
| Legal Subdivision | DAVID BERGMAN PROPERTY |
| Jurisdiction | ESTILL KY |
| Township / Civil Division | IRVINE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 920201 |
Source: Estill County records, as of October 20, 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 File |
|---|---|
| Mailing Address | 108 COVINGTON WAY, RICHMOND, KY 40475-6836 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS GUARANTY BANK |
| Sep 8, 2025 | Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2025 · Amount on File |
| Deed Sale | Sep 8, 2025 · Amount on File |
| Prior Sale | Oct 31, 2013 · Amount on File |
| Deed Document Number | 2025268970 |
| Deed Book / Page | 352 / 32 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESTILL KY |
| Property Address | 261 MAIN ST, IRVINE, KY 40336-1058 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00MQ11/624 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | MQ11/624 |
| Instrument | 250097 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ESTILL KY |
| Recording Date | Sep 8, 2025 |
| Property Address | 261 MAIN ST, IRVINE, KY 40336-1058 |
| Document Number | 000D352/32 |
| Book / Page | D352 / 32 |
| Instrument Date | Aug 20, 2025 |
| Instrument | 268970 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | UNKNOWN, FOUNDATION T&E SERIES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 COVINGTON WAY, RICHMOND, KY 40475-6836 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 COVINGTON WAY, RICHMOND, KY 40475-6836 |
| Document Number | 0000268971 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 268971 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Aug 20, 2026 |
Source: Estill County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Estill County |
| Municipality | Irvine City |
| Unified School District | Estill County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $335,000 (+34%) Land $335,000 | $335,000 (+34%) Land $335,000 | |
| 2025 | $2,635.00 (+84.78%) | $250,000 (+85.19%) Land $250,000 | $250,000 (+85.19%) Land $250,000 |
| 2024 | $1,426.00 (-1.59%) | $135,000 (-) Land $135,000 | $135,000 (-) Land $135,000 |
| 2023 | $1,449.00 | $135,000 Land $135,000 | $135,000 Land $135,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 24, 2011 · 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 |
| Nearby Flood Claims | 3 (2021–2025) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | IRVINE MUNICIPAL UTILITIES serves 5,649 people · EPA ID KY0330205 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Nov 2019 Total trihalomethanes resolved · Jan 2017 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2019 |
| 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 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Irvine Community Television Fiber · Cable | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
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