324 Old State Rd, Mount Vernon, KY 40456 Property Records

Rockcastle County property record for 324 Old State Rd, Mount Vernon, KY 40456

Property Summary

Property Type	Single Family Home
Details	2,280 sqft
Lot Size	2.13 acres (92,783 sqft)
Owner	2 Individual Names on File
Last Sale	$289,000 (Aug 2026)
Tax Bill	$1,912 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043-00-068`

Property Details

APN / Parcel Number

Primary APN	`043-00-068`
Alternative APNs	`1134501` `402901`

Interior

Building Area	2,280 sqft Living Area

Exterior

Lot Area	92,783 sqft (2.13 acres)
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Account Number	402901
Street Address	324 OLD STATE RD
City	MOUNT VERNON
State	KY
Zip	40456-7243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.13 AC & 2022 DEER VALLEY 30X76
Jurisdiction	ROCKCASTLE KY
Township / Civil Division	CONWAY
Census Block Group	3
Census Block	3034
Census Tract	950100

Owner

324 Old State Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Rockcastle County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 OLD STATE RD, MOUNT VERNON, KY 40456-7243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Aug 24, 2026	Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC
Aug 24, 2026	Certificate of Transfer, Transfer
Nov 1, 2021	Warranty Deed, Transfer SPRINGDALE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2026 · Amount on File
Deed Sale	Aug 24, 2026 · Amount on File
Prior Sale	Nov 1, 2021 · Amount on File
Deed Book / Page	303 / 704
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Aug 24, 2026
Property Address	324 OLD STATE RD, MOUNT VERNON, KY 40456-7243
Document Number	0303000704
Book / Page	303 / 704
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	LAND TITLE, LAND GROUP TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,189.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 OLD STATE RD, MOUNT VERNON, KY 40456-7243

Mortgage

Document Number	0374000001,
Date	Aug 24, 2026
Book Page	374/1

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0374000034,
Date	Aug 24, 2026
Book Page	374/34

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Max Rate	-1%

August 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	ROCKCASTLE KY
Recording Date	Aug 24, 2026
Property Address	324 OLD STATE RD, MOUNT VERNON, KY 40456-7243
Document Number	0051000591
Book / Page	51 / 591
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Nov 1, 2021
Property Address	324 OLD STATE RD, MOUNT VERNON, KY 40456-7243
Document Number	00D280/451
Book / Page	D280 / 451
Instrument Date	Oct 25, 2021
Instrument	368847
Transaction Type	Transfer
Record Updated	Jan 11, 2024
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$25.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	570 A PLCHE DR, PAINT LICK, KY 40461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 OLD STATE RD, MOUNT VERNON, KY 40456-7243

Tax Assessment & Valuation

The 2025 property tax bill for 324 Old State Rd was $1,912.

Source: Rockcastle County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Rockcastle County
Unified School District	Rockcastle County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,912.00	$235,000	$235,000
2023	$1,945.00	$235,000	$235,000

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

Flood

FEMA maps place 324 Old State Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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	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

Wildfire risk around 324 Old State Rd 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 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.06% 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	WESTERN ROCKCASTLE WATER ASSOC private · serves 12,623 people · EPA ID KY1020891
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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