315 N 3rd St, Williamsburg, KY 40769 Property Records

Whitley County property record for 315 N 3rd St, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	1,518 sqft
Lot Size	0.179 acres (7,819 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (May 2019)
Tax Bill	$349 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`110-20-00-071.01`

Property Details

APN / Parcel Number

Primary APN	`110-20-00-071.01`
Alternative APN	`133542`

Interior

Stories	1 Story
Building Area	1,518 sqft Living Area

Exterior

Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,819 sqft (0.179 acres)
Driveway	Gravel Driveway
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	315 N 3RD ST
City	WILLIAMSBURG
State	KY
Zip	40769-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1 ST FRM HS & 0.1795 AC @ 3RD ST
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	1
Census Block	1016
Census Tract	920602

Owner

315 N 3rd St is owned and occupied by an individual who bought it in May 2019.

Source: Whitley County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	315 N 3RD ST, WILLIAMSBURG, KY 40769-1110
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
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit L&N FCU
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
May 24, 2019	Warranty Deed, Transfer · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Prior Sale	May 20, 2019 · Amount on File
Deed Document Number	2019236967
Deed Book / Page	550 / 740
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	315 N 3RD ST, WILLIAMSBURG, KY 40769-1110
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M699/912
Date	Dec 29, 2022
Book Page	M699/912
Instrument	287760

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 28, 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	315 N 3RD ST, WILLIAMSBURG, KY 40769-1110
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M678/974
Date	Aug 16, 2021
Book Page	M678/974
Instrument	274661

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	May 24, 2019
Property Address	315 N 3RD ST, WILLIAMSBURG, KY 40769-1110
Document Number	00D550/740
Book / Page	D550 / 740
Instrument Date	May 20, 2019
Instrument	236967
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	195 DALE LN, 195, JELLICO, TN 37762-4409

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	315 N 3RD ST, WILLIAMSBURG, KY 40769-1110

Mortgage

Document Number	000M641826
Date	May 24, 2019
Instrument	M641/826

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	11.8%

Tax Assessment & Valuation

The 2025 property tax bill for 315 N 3rd St was $349.

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	$349.00	$108,000	$108,000
2023	$363.00	$108,000	$108,000

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

Flood

FEMA maps place 315 N 3rd St in Zone X, where a levee reduces flood risk, within 100 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 315 N 3rd St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 173 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
Zito Media Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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