286 S 3rd St, Williamsburg, KY 40769 Property Records

Whitley County property record for 286 S 3rd St, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 910 sqft
Lot Size	0.258 acres (11,248 sqft)
Owner	Company Name on File
Last Sale	$200,000 (Feb 2026)
Tax Bill	$578 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`110-40-03-003.00`

Property Details

APN / Parcel Number

Primary APN	`110-40-03-003.00`
Alternative APN	`12798`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	910 sqft Living Area
Basement Area	468 sqft
Finished Basement	468 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,248 sqft (0.258 acres)
Porch	Slab
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	286 S 3RD ST
City	WILLIAMSBURG
State	KY
Zip	40769-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N
Legal Description	1 ST CONC BLK HS W/FRM AD & 2 TRTS @ 3RD ST
Legal Subdivision	FRM ADD
Legal Tract	2
Legal Block	HS
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2016
Census Tract	920602

Owner

286 S 3rd St is owned by a company that bought it in February 2026.

Source: Whitley County records, as of April 6, 2026

Owner of Record	Company Name on File
Mailing Address	217 MAIN ST, WILLIAMSBURG, KY 40769-1121
Owner Type	Company
Vesting	Limited Liability Partnership

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
Feb 26, 2026	Deed of Trust, Mortgage · Commercial Mortgage L&N FCU
Mar 20, 2024	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 7, 2021	Deed of Trust, Mortgage · Line of Credit L&N FCU
Jul 15, 2019	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Mar 20, 2024 · Amount on File
Deed Document Number	2026357621
Deed Book / Page	591 / 628
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 MAIN ST, WILLIAMSBURG, KY 40769-1121

Mortgage

Document Number	00M738/885
Date	Feb 26, 2026
Book Page	M738/885
Instrument	357625

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 26, 2041

Interest

Rate Type	Adjustable Rate

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Mar 20, 2024
Property Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216
Document Number	00D579/755
Book / Page	D579 / 755
Instrument Date	Mar 14, 2024
Instrument	309768
Transaction Type	Transfer
Record Updated	Apr 3, 2024
Title Company	IMAG TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216

Mortgage

Document Number	0000309769
Date	Mar 20, 2024
Instrument	309769

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M679/973
Date	Sep 7, 2021
Book Page	M679/973
Instrument	275043

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 6, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M643/622
Date	Jul 15, 2019
Book Page	M643/622
Instrument	237768

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2034

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	286 S 3RD ST, WILLIAMSBURG, KY 40769-1216
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M658/527
Date	Jul 14, 2020
Book Page	M658/527
Instrument	243601

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 286 S 3rd St was $578.

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	$578.00	$178,500	$178,500
2023	$271.00 (-1.45%)	$80,500 (-)	$80,500 (-)
2022	$275.00	$80,500	$80,500

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

Flood

FEMA maps place 286 S 3rd St in Zone X, where a levee reduces flood risk.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 286 S 3rd St 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 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 183 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
Verizon Fixed Wireless	300 / 20

May also be available: Zito Media.

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