Whitley County property record for 2786 E Hwy 92, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,408 sqft |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,242 (2025) |
| Deeds & Mortgages | Feb 2025 Sale Oct 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 129-00-00-015.00 |
| Primary APN | 129-00-00-015.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| Basement Area | 1,408 sqft |
| Finished Basement | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Terrain | Steep |
| Garage Area | 1,312 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 312 sqft |
| Cooling System | Central |
|---|
| Street Address | 2786 E HIGHWAY 92 |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-6009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B1 |
| Legal Description | 1 ST BRK HS & 2.29 AC @ HWY 92 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | WILLIAMSBURG |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 920502 |
2786 E Hwy 92 is owned and occupied by an individual.
Source: Whitley County records, as of April 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2786 E HIGHWAY 92, WILLIAMSBURG, KY 40769-6009 |
| 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 |
|---|---|
| Feb 14, 2025 | Warranty Deed, Transfer |
| Oct 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Feb 14, 2025 |
| Property Address | 2786 E HIGHWAY 92, WILLIAMSBURG, KY 40769-6009 |
| Document Number | 00D584/838 |
| Book / Page | D584 / 838 |
| Map Reference | MB 412 PG 133 |
| Instrument Date | Feb 14, 2025 |
| Instrument | 331415 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $48.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1115 RYAN CEMETERY RD, WILLIAMSBURG, KY 40769-9668 |
| Name | Verified Name |
|---|---|
| Address | 2786 E HIGHWAY 92, WILLIAMSBURG, KY 40769-6009 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Oct 16, 2023 |
| Property Address | 2786 E HIGHWAY 92, WILLIAMSBURG, KY 40769-6009 |
| Document Number | 00D577/580 |
| Book / Page | D577 / 580 |
| Instrument Date | Oct 11, 2023 |
| Instrument | 300998 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | IMAG TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1901 PREWITT BEND RD, WILLIAMSBURG, KY 40769-8719 |
| Name | Verified Name |
|---|---|
| Address | 2786 E HIGHWAY 92, WILLIAMSBURG, KY 40769-6009 |
| Document Number | 0000301000 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 301000 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 2786 E Hwy 92 was $1,242, up 7.7% from the year before.
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Unified School District | Whitley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,242.00 (+7.72%) | $158,500 (-) | $158,500 (-) |
| 2024 | $1,153.00 (+220.28%) | $158,500 (+228.16%) | $158,500 (+228.16%) |
| 2023 | $360.00 | $48,300 | $48,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2786 E Hwy 92 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · Severe Storms, 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.
Wildfire risk around 2786 E Hwy 92 is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 86% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.5% 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 | WHITLEY CO WATER DISTRICT serves 9,825 people · EPA ID KY1180468 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2023 Total trihalomethanes resolved · Jul 2020 |
|---|---|
| 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Cable | 1,000 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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