314 E Main St, Cloverport, KY 40111 Property Records

Breckinridge County property record for 314 E Main St, Cloverport, KY 40111

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,792 sqft
Lot Size	0.38 acres (16,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Oct 2022)
Tax Bill	$2,242 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CP 2-10-13`

Property Details

APN / Parcel Number

Primary APN	`CP 2-10-13`
Alternative APNs	`30028` `34661`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,500 sqft (0.38 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	34661
Street Address	314 E MAIN ST
City	CLOVERPORT
State	KY
Zip	40111-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAND & HOUSE
Legal Subdivision	CLOVERPORT 2
Legal Block	10
Legal Lot Number	13
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	CLOVERPORT
Census Block Group	1
Census Block	1078
Census Tract	960300

Owner

Source: Breckinridge County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	314 E MAIN ST, CLOVERPORT, KY 40111-1230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC
Oct 11, 2022	Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Dec 6, 2018	Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	2022910512
Deed Book / Page	452 / 574
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	314 E MAIN ST, CLOVERPORT, KY 40111-1230
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M534/689
Date	Oct 11, 2022
Book Page	M534/689
Instrument	2020910513

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Oct 11, 2022
Property Address	314 E MAIN ST, CLOVERPORT, KY 40111-1230
Document Number	00D452/574
Book / Page	D452 / 574
Instrument Date	Oct 7, 2022
Instrument	2020910512
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9549 W HIGHWAY 60, HARDINSBURG, KY 40143-4781

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	314 E MAIN ST, CLOVERPORT, KY 40111-1230

Mortgage

Document Number	000M534689
Date	Oct 11, 2022
Instrument	M534/689

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Dec 6, 2018
Property Address	314 E MAIN ST, CLOVERPORT, KY 40111-1230
Document Number	000415/535
Book / Page	415 / 535
Instrument Date	Nov 30, 2018
Instrument	2018006235
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 E MAIN ST, CLOVERPORT, KY 40111-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	516 OAK ST, CLOVERPORT, KY 40111-1142

Mortgage

Document Number	2018006236
Date	Dec 6, 2018
Instrument	2018006236

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Breckinridge County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,242.00 (-9.89%)	$165,000 (-) Land $15,000 Building $150,000	$165,000 (-) Land $15,000 Building $150,000
2023	$2,488.00 (+37.61%)	$165,000 (+37.5%) Land $15,000 Building $150,000	$165,000 (+37.5%) Land $15,000 Building $150,000
2022	$1,808.00	$120,000 Land $10,000 Building $110,000	$120,000 Land $10,000 Building $110,000

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 May 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	13 (1978–2018)
Most Recent Claim	Mar 2018 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2011 · 4 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 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

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	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	CLOVERPORT WATER & SEWER SYSTEM serves 1,560 people · EPA ID KY0140079
Water Source	Purchased groundwater from HARDINSBURG RO WTP
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2018
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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brandenburg Telecom Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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