Whitley County property record for 297 Whetstone Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,500 sqft · built 2006 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,559 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2023 Construction Loan + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 187-00-00-027.01 |
| Primary APN | 187-00-00-027.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,500 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Logs |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 1,856 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Street Address | 297 WHETSTONE RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-7202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N |
| Legal Description | 2 ST HS & 2 AC+- @ WHETSTON |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | WILLIAMSBURG |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 920502 |
297 Whetstone Rd, a single family home, is owned by an individual.
Source: Whitley County records, as of April 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 295 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| 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 |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Line of Credit Y-12 FCU |
| Oct 16, 2023 | Deed of Trust, Mortgage · Construction Mortgage FIRST STATE FINANCIAL INC |
| Jul 27, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 297 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 297 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| Document Number | 00M736/511 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | M736/511 |
| Instrument | 352657 |
| Name | Y-12 FCU |
|---|---|
| Type | Credit Union |
| Address | OAK RIDGE, TN 37830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 297 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Title Company | KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TTL I |
| Name | Verified Name |
|---|---|
| Address | 297 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| Document Number | 00M709/144 |
|---|---|
| Date | Oct 16, 2023 |
| Book Page | M709/144 |
| Instrument | 301013 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Nov 1, 2034 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 297 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 297 WHETSTONE RD, WILLIAMSBURG, KY 40769-7202 |
| Document Number | 00M694/486 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | M694/486 |
| Instrument | 282203 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 297 Whetstone Rd was $3,559.
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 | $3,559.00 | $454,000 | $454,000 |
| 2023 | $746.00 | $100,000 | $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 297 Whetstone Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 17, 2021
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 297 Whetstone Rd is high, ranking above 80% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 94% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.7% 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.
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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Cable | 1,000 / 25 |
| Starlink Satellite | 280 / 30 |
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