312 Front St, Williamsburg, KY 40769 Property Records

Whitley County property record for 312 Front St, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,422 sqft · built 1973
Lot Size	0.244 acres (10,644 sqft)
Owner	Individual Name on Record
Tax Bill	$818 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`111-30-01-004.00`

Property Details

APN / Parcel Number

Primary APN	`111-30-01-004.00`
Alternative APN	`18608`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,422 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,644 sqft (0.244 acres)
Terrain	Rolling
Garage Area	560 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	228 sqft
Deck Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	312 FRONT ST
City	WILLIAMSBURG
State	KY
Zip	40769-1242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	2 ST BRK HS W/GAR & LT @ FRONT ST
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2016
Census Tract	920602

Owner

Source: Whitley County records, as of April 2, 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	312 FRONT ST, WILLIAMSBURG, KY 40769-1242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242

Mortgage

Document Number	00M697/692
Date	Oct 19, 2022
Book Page	M697/692
Instrument	285491

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	WILLIAMSBURG, KY 40769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 23, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242
Transaction Type	Mortgage
Record Updated	Mar 25, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M679/530
Date	Aug 30, 2021
Book Page	M679/530
Instrument	274900

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242

Mortgage

Document Number	000631/127
Date	Jul 27, 2018
Book Page	631/127
Instrument	231954

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	WILLIAMSBURG, KY 40769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 11, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 FRONT ST, WILLIAMSBURG, KY 40769-1242

Mortgage

Document Number	00M646/703
Date	Oct 8, 2019
Book Page	M646/703
Instrument	239256

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	WILLIAMSBURG, KY 40769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 18, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$818.00 (-3.76%)	$252,500 (-)	$252,500 (-)
2023	$850.00	$252,500	$252,500

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 May 17, 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
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

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

Wildfire Risk	Moderate above 43% of the US · above 73% of Kentucky
Wildfire Likelihood	0.09% 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	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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