Adair County property record for 277 Flat Rock Rd, Breeding, KY 42715
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,656 sqft |
| Lot Size | 33 acres (1,437,480 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $424 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-00-00-027.01 |
| Primary APN | 017-00-00-027.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Basement Area | 1,368 sqft |
| Unfinished Basement | 1,368 sqft |
| Family Room | Family Room |
| Construction Type | Frame |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,437,480 sqft (33 acres) |
| Terrain | Rolling |
| Garage Area | 480 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 13739 |
|---|---|
| Street Address | 277 FLAT ROCK RD |
| City | BREEDING |
| State | KY |
| Zip | 42715-8410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 33 AC+HOUSE |
| Jurisdiction | ADAIR KY |
| Township / Civil Division | GRADYVILLE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 970500 |
277 Flat Rock Rd is owned and occupied by an individual.
Source: Adair County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 277 FLAT ROCK RD, BREEDING, KY 42715-8410 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2018 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| May 10, 2019 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR KY |
| Property Address | 277 FLAT ROCK RD, BREEDING, KY 42715-8410 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 363/693 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 363/693 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 10, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR KY |
| Property Address | 277 FLAT ROCK RD, BREEDING, KY 42715-8410 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 369/080 |
|---|---|
| Date | May 10, 2019 |
| Book Page | 369/080 |
| Instrument | 454707 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Apr 18, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 277 Flat Rock Rd was $424 with a homeowner's exemption.
Source: Adair County assessment roll, as of December 5, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Adair County |
| Unified School District | Adair County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $139,200 (+65.32%) Land $10,500 Building $128,700 | $228,700 (+31.66%) Land $100,000 Building $128,700 | |
| 2025 | $424.00 Homeowner's exemption | $84,200 Land $10,500 Building $73,700 | $173,700 Land $100,000 Building $73,700 |
| 2023 | $454.00 Homeowner's exemption | $84,200 Land $84,200 | $148,700 Land $148,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 277 Flat Rock Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 17, 2010 · 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 | 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 risk around 277 Flat Rock Rd is low, with a 0.03% 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 | 0.03% 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 | COLUMBIA/ADAIR UTILITIES DISTRICT serves 22,113 people · EPA ID KY0011016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Sep 2025 |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DuoBroadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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