Adair County property record for 315 Flat Rock Rd, Breeding, KY 42715
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,008 sqft · built 2000 |
| Lot Size | 36.9 acres (1,608,235 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Aug 2008) |
| Tax Bill | $860 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jun 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-00-00-028.03 |
| Primary APN | 017-00-00-028.03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Family Room | Family Room |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,608,235 sqft (36.9 acres) |
| Driveway | Gravel Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 14263 |
|---|---|
| Street Address | 315 FLAT ROCK RD |
| City | BREEDING |
| State | KY |
| Zip | 42715-8409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 36.92 AC+HOME |
| Jurisdiction | ADAIR KY |
| Township / Civil Division | GRADYVILLE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 970500 |
315 Flat Rock Rd is owned and occupied by two individuals who bought it in August 2008.
Source: Adair County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 FLAT ROCK RD, BREEDING, KY 42715-8409 |
| 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.
| Date | Document |
|---|---|
| Apr 4, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF COLUMBIA |
| Jun 25, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF COLUMBIA |
| Jan 3, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF COLUMBIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2008 · Amount on File |
| Deed Sale | Aug 12, 2008 · Amount on File |
| Deed Book / Page | 12 / 691 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR KY |
| Property Address | 315 FLAT ROCK RD, BREEDING, KY 42715-8409 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 315 FLAT ROCK RD, BREEDING, KY 42715-8409 |
| Document Number | 000412/739 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 412/739 |
| Instrument | 469932 |
| Name | BANK OF COLUMBIA |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR KY |
| Property Address | 315 FLAT ROCK RD, BREEDING, KY 42715-8409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 353/582 |
|---|---|
| Date | Jun 25, 2017 |
| Book Page | 353/582 |
| Name | BANK OF COLUMBIA |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 20, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR KY |
| Property Address | 315 FLAT ROCK RD, BREEDING, KY 42715-8409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 366/291 |
|---|---|
| Date | Jan 3, 2019 |
| Book Page | 366/291 |
| Name | BANK OF COLUMBIA |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 31, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 315 Flat Rock Rd was $860.
Source: Adair County assessment roll, as of December 5, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Adair County |
| Unified School District | Adair County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $101,300 (+38.2%) Land $11,300 Building $90,000 | $170,000 (+19.72%) Land $80,000 Building $90,000 | |
| 2025 | $860.00 | $73,300 Land $73,300 | $142,000 Land $142,000 |
| 2023 | $856.00 | $73,300 Land $73,300 | $142,000 Land $142,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Flat Rock Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 17, 2010 · 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 | 1 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 risk around 315 Flat Rock Rd is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | COLUMBIA/ADAIR UTILITIES DISTRICT serves 22,113 people · EPA ID KY0011016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Sep 2025 |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DuoBroadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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