28 Willow Loop, Sturgis, KY 42459 Property Records

Union County property record for 28 Willow Loop, Sturgis, KY 42459

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,604 sqft
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2026)
Tax Bill	$1,650 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`40-15A-15`

Property Details

APN / Parcel Number

Primary APN	`40-15A-15`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,604 sqft Living Area
Family Room	Family Room

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	46,174 sqft (1.06 acres)
Garage Area	420 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	28 WILLOW LOOP
City	STURGIS
State	KY
Zip	42459-1797
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 WILLOW LOOP
Legal Subdivision	ROLLING ACRES
Legal Lot Number	15
Jurisdiction	UNION KY
Township / Civil Division	STURGIS
Census Block Group	5
Census Block	5031
Census Tract	950300

Owner

Source: Union County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28 WILLOW LOOP, STURGIS, KY 42459-1797
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HOUSING CORPORATION
Jul 9, 2026	Deed of Trust, Mortgage · FHA Mortgage DAS ACQUISITION
Jul 9, 2026	Deed, Transfer · FHA Mortgage DAS ACQUISITION
Jun 25, 2026	Deed of Trust, Mortgage · Construction Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	Nov 16, 2022 · Amount on Record
Deed Document Number	2026431385
Deed Book / Page	411 / 434
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Recording Date	Jul 9, 2026
Property Address	28 WILLOW LOOP, STURGIS, KY 42459-1797
Document Number	0000431410
Book / Page	501 / 541
Instrument Date	Jun 26, 2026
Instrument	2026431410
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 WILLOW LOOP, STURGIS, KY 42459-1797

Mortgage

Document Number	0000431410,
Date	Jul 9, 2026
Book Page	501/541
Instrument	2026431410

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.87%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Recording Date	Jul 9, 2026
Property Address	28 WILLOW LOOP, STURGIS, KY 42459-1797
Document Number	0000431390
Book / Page	501 / 521
Instrument Date	Jun 26, 2026
Instrument	2026431390
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 N PADGETT ST, MORGANFIELD, KY 42437-1225

Mortgage

Document Number	0000431390,
Date	Jul 9, 2026
Book Page	501/521
Instrument	2026431390

Lender

Name	DAS ACQUISITION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION KY
Recording Date	Jul 9, 2026
Property Address	28 WILLOW LOOP, STURGIS, KY 42459-1797
Document Number	0000431385
Book / Page	411 / 434
Instrument Date	Jun 26, 2026
Instrument	2026431385
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$22,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	28 WILLOW LOOP, STURGIS, KY 42459-1797

Mortgage

Document Number	0000431390,
Date	Jul 9, 2026
Instrument	2026431390

Lender

Name	DAS ACQUISITION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

Mortgage

Document Number	0000431410,
Date	Jul 9, 2026
Book Page	501/541
Instrument	2026431410

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Jul 1, 2041

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Recording Date	Jun 25, 2026
Property Address	28 WILLOW LOOP, STURGIS, KY 42459-1797
Document Number	0000430314
Book / Page	501 / 198
Instrument Date	Jun 18, 2026
Instrument	2026430314
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 WILLOW LOOP, STURGIS, KY 42459-1797

Mortgage

Document Number	0000430314,
Date	Jun 25, 2026
Book Page	501/198
Instrument	2026430314

Lender

Name	DAS ACQUISITION

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Oct 1, 2026

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Union County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Union County
Municipality	Sturgis City
Unified School District	Union County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,650.00 (+50.27%)	$106,280 (-) Land $5,000 Building $101,280	$106,280 (-) Land $5,000 Building $101,280
2023	$1,098.00	$106,280 Land $5,000 Building $101,280	$106,280 Land $5,000 Building $101,280

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1999–2013)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Oct 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2011 · 5 claims

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

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	0.01% annual chance
Exposure	Direct burnable vegetation

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	STURGIS WATER WORKS serves 3,490 people · EPA ID KY1130422
Water Source	Purchased surface water from UNION COUNTY WATER DISTRICT
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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