312 Cedar St, Pineville, KY 40977 Property Records

Bell County property record for 312 Cedar St, Pineville, KY 40977

Property Summary

Property Type	Single Family Home
Details	4,126 sqft
Owner	2 Individual Names on File
Last Sale	$205,000 (Nov 2021)
Tax Bill	$3,031 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`075-20-07-006.00`

Property Details

APN / Parcel Number

Primary APN	`075-20-07-006.00`
Alternative APNs	`2651` `4812`

Interior

Stories	2 Stories
Building Area	4,126 sqft Living Area
Basement Area	288 sqft
Finished Basement	288 sqft

Exterior

Architectural Style	A-Frame
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Terrain	Rolling
Driveway	Concrete Driveway
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	4812
Street Address	312 CEDAR ST
City	PINEVILLE
State	KY
Zip	40977-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8-9 BLK 27 PMI
Legal Subdivision	PINE MOUNTAIN IRON AND COAL ADDITION
Legal Block	27
Legal Lot Number	8-9
Jurisdiction	BELL KY
Township / Civil Division	PINEVILLE
Census Block Group	3
Census Block	3037
Census Tract	960200

Owner

312 Cedar St is owned and occupied by two individuals who bought it in November 2021.

Source: Bell County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	312 CEDAR ST, PINEVILLE, KY 40977-1404
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Line of Credit VALON MORTGAGE INC
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE FINANCIAL INC
Nov 8, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Prior Sale	Sep 20, 2007 · Amount on File
Deed Document Number	2021189115
Deed Book / Page	393 / 697
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	312 CEDAR ST, PINEVILLE, KY 40977-1404
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M405/224
Date	Feb 12, 2026
Book Page	M405/224
Instrument	292536

Lender

Name	VALON MORTGAGE INC
Type	Mortgage Company
Address	PHOENIX, AZ 85044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	312 CEDAR ST, PINEVILLE, KY 40977-1404
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M371/480
Date	Apr 30, 2021
Book Page	M371/480
Instrument	186330

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.5%
Index	1-Year CMT
Margin	3
Max Rate	8.5%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL KY
Recording Date	Nov 8, 2021
Property Address	312 CEDAR ST, PINEVILLE, KY 40977-1404
Document Number	00D393/697
Book / Page	D393 / 697
Instrument Date	Nov 2, 2021
Instrument	189115
Transaction Type	Transfer
Record Updated	Dec 20, 2022
Title Company	IMAG TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 CEDAR ST, PINEVILLE, KY 40977-1404

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	312 CEDAR ST, PINEVILLE, KY 40977-1404

Mortgage

Document Number	0000189116
Date	Nov 8, 2021
Instrument	189116

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 312 Cedar St was $3,031.

Source: Bell County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bell County
Municipality	Pineville City
Unified School District	Pineville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,031.00	$205,000 Land $205,000	$205,000 Land $205,000
2023	$3,138.00	$205,000	$205,000

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

Flood

FEMA maps place 312 Cedar St in Zone X, an area of minimal flood risk, though there have been 30 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	30 (1981–2020)
Claims Outside the SFHA	4 of 30
Most Recent Claim	Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 2 claims Severe Storms And Flooding, Mar 2002 · 4 claims Severe Weather, Freezing Rain, Sleet, Snw, Feb 1994 · 2 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

Wildfire risk around 312 Cedar St is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINEVILLE WATER SYSTEM serves 16,573 people · EPA ID KY0070353
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) 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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Eastern Telephone & Technologies Fixed Wireless	300 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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