28 Cliff End St, Williamsburg, KY 40769 Property Records

Whitley County property record for 28 Cliff End St, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 2013
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Oct 2022)
Tax Bill	$356 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-40-05-038.00`

Property Details

APN / Parcel Number

Primary APN	`110-40-05-038.00`
Alternative APNs	`137673` `27505`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	952 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Slab
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	28 CLIFF END ST
City	WILLIAMSBURG
State	KY
Zip	40769-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1 ST VNL HS & 0.5 AC @ HIGHLAND PARK
Legal Subdivision	HP
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	3
Census Block	3034
Census Tract	920502

Owner

28 Cliff End St is owned and occupied by an individual who bought it in October 2022.

Source: Whitley County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	28 CLIFF END ST, WILLIAMSBURG, KY 40769-2016
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
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Oct 3, 2022	Warranty Deed, Transfer
Sep 24, 2019	Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Sep 24, 2019 · Amount on File
Deed Document Number	2022284631
Deed Book / Page	571 / 474
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	28 CLIFF END ST, WILLIAMSBURG, KY 40769-2016
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M734/92
Date	Oct 10, 2025
Book Page	M734/92
Instrument	347132

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Oct 3, 2022
Property Address	28 CLIFF END ST, WILLIAMSBURG, KY 40769-2016
Document Number	00D571/474
Book / Page	D571 / 474
Instrument Date	Oct 3, 2022
Instrument	284631
Transaction Type	Transfer
Record Updated	Oct 7, 2022

Transaction

Amount	Amount on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	661 W HIGHWAY, 661, WILLIAMSBURG, KY 40769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 CLIFF END ST, WILLIAMSBURG, KY 40769-2016

September 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	WHITLEY KY
Recording Date	Sep 24, 2019
Property Address	28 CLIFF END ST, WILLIAMSBURG, KY 40769-2016
Document Number	00D552/466
Book / Page	D552 / 466
Instrument Date	Aug 29, 2019
Instrument	238934
Transaction Type	Foreclosure
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	661 W HIGHWAY 92, WILLIAMSBURG, KY 40769-1686

Tax Assessment & Valuation

The 2025 property tax bill for 28 Cliff End St was $356.

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Whitley County
Municipality	Williamsburg City
Unified School District	Williamsburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$356.00	$110,000	$110,000
2023	$370.00	$110,000	$110,000

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

Flood

FEMA maps place 28 Cliff End St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective May 17, 2021 · 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	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

Wildfire risk around 28 Cliff End St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILLIAMSBURG WATER DEPARTMENT serves 5,554 people · EPA ID KY1180471
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Zito Media Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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