3 Willow Loop, Sturgis, KY 42459 Property Records

Union County property record for 3 Willow Loop, Sturgis, KY 42459

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,965 sqft · built 2003
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on Record
Tax Bill	$2,458 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-15A-26`

Property Details

APN / Parcel Number

Primary APN	`40-15A-26`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,965 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,511 sqft (0.93 acres)
Garage Area	422 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	3 WILLOW LOOP
City	STURGIS
State	KY
Zip	42459-1798
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 WILLOW LOOP
Legal Subdivision	ROLLING ACRES SUB
Legal Lot Number	26
Jurisdiction	UNION KY
Township / Civil Division	STURGIS
Census Block Group	5
Census Block	5031
Census Tract	950300

Owner

Source: Union County records, as of July 20, 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
Mailing Address	3 WILLOW LOOP, STURGIS, KY 42459-1798
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Deed of Trust, Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Dec 29, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 22, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 24, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2015
Deed Sale	Mar 27, 2015
Deed Book / Page	363 / 461
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	3 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M480/183
Date	Aug 4, 2023
Book Page	M480/183

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	339 Months
Due	Nov 1, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	3 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000476/82
Date	Dec 29, 2022
Book Page	476/82

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	3 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000467/662
Date	Feb 22, 2022
Book Page	467/662

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	3 WILLOW LOOP, STURGIS, KY 42459-1798
Transaction Type	Mortgage
Record Updated	Apr 21, 2020
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	448/440
Date	Mar 24, 2020
Book Page	448/440
Instrument	335681

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	$2,458.00 (+50.24%)	$158,365 (-) Land $20,000 Building $138,365	$158,365 (-) Land $20,000 Building $138,365
2023	$1,636.00	$158,365 Land $20,000 Building $138,365	$158,365 Land $20,000 Building $138,365

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 October 22, 2025 · 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	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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