288 Murphy Subdivision Rd, Stearns, KY 42647 Property Records

McCreary County property record for 288 Murphy Subdivision Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,300 sqft · built 1982
Lot Size	2.05 acres (89,298 sqft)
Owner	Individual Name on Record
Last Sale	$246,000 (Jun 2023)
Tax Bill	$1,977 (2025)
Deeds & Mortgages	Jun 2023 Sale Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`107-00-00-039.00`

Property Details

APN / Parcel Number

Primary APN	`107-00-00-039.00`
Alternative APN	`18602`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Building Area	2,300 sqft Living Area
Basement Area	840 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	89,298 sqft (2.05 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Porch
Porch Area	96 sqft
Deck Area	486 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	288 MURPHY SUBDIVISION RD
City	STEARNS
State	KY
Zip	42647-6242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.05 AC & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2032
Census Tract	960302

Owner

Source: McCreary County records, as of January 29, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	288 MURPHY RIDGE SUBDIVISION RD, STEARNS, KY 42647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed, Transfer
Mar 18, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 4, 2019	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK
Mar 4, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Jun 20, 2016 · Amount on Record
Deed Document Number	144394
Deed Book / Page	D234 / 238
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Jun 16, 2023
Property Address	288 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6242
Document Number	00D234/238
Book / Page	D234 / 238
Map Reference	DB 136 PG 202
Instrument Date	Jun 16, 2023
Instrument	144394
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount Recorded
Tax	$246.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	288 MURPHY RIDGE RD, STEARNS, KY 42647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2513, LEBANON, OR 97355-0837

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	288 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6242
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M237/709
Date	Mar 18, 2022
Book Page	M237/709
Instrument	136673

Lender

Name	NEW DAY FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	288 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6242
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M218/315
Date	Mar 4, 2019
Book Page	M218/315
Instrument	127245

Lender

Name	NORTH AMERICAN SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Mar 4, 2019
Property Address	288 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6242
Document Number	00D218/218
Book / Page	D218 / 218
Map Reference	DB 210 PG 3
Instrument Date	Feb 22, 2019
Instrument	127244
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4153 WATERVILLE AVE, 4153, ZEPHYRHILLS, FL 33543-7001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 MURPHY SUB RD, STEARNS, KY 42647-6242

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	McCreary County
Unified School District	McCreary County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,977.00 (+3.18%)	$246,000 (+4.73%)	$246,000 (+4.73%)
2023	$1,916.00 (+36.66%)	$234,900 (+39.82%)	$234,900 (+39.82%)
2022	$1,402.00	$168,000	$168,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 16, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 65% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% 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	MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Murphy Subdivision Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures