Clinton County property record for 320 Wisdom Dock Rd, Albany, KY 42602
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,906 sqft · built 1940 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $483 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029-00-00-006.00 |
| Primary APN | 029-00-00-006.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,906 sqft Total Area |
| Year Built | Built 1940 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Coal |
| Account Number | 2251 |
|---|---|
| Street Address | 320 WISDOM DOCK RD |
| City | ALBANY |
| State | KY |
| Zip | 42602-7603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H-L ON WISDOM DOCK RD |
| Jurisdiction | CLINTON KY |
| Township / Civil Division | ALBANY |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 970204 |
Source: Clinton County records, as of January 12, 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 | PO BOX 311, ALBANY, KY 42602-0311 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 31, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000155350 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON KY |
| Property Address | 320 WISDOM DOCK RD, ALBANY, KY 42602-7603 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | MTG201/488 |
|---|---|
| Date | Jul 30, 2021 |
| Book Page | MTG 201/488 |
| Instrument | 156460 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | May 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON KY |
| Property Address | 320 WISDOM DOCK RD, ALBANY, KY 42602-7603 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2020 |
| Name | Verified Name |
|---|
| Document Number | 196/541 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 196/541 |
| Instrument | 154255 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | May 1, 2046 |
Source: Clinton County assessment roll, as of April 1, 2024
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Albany City |
| County | Clinton County |
| Unified School District | Clinton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $483.00 (+15.27%) | $50,000 (-) | $50,000 (-) |
| 2023 | $419.00 | $50,000 | $50,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 22, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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 | ALBANY WATER WORKS serves 9,042 people · EPA ID KY0270003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2021 |
|---|---|
| Treatment and Procedure | Coliform assessment Sep 2017 |
| 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| DuoBroadband Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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