324 Right Penhook Rd, Harold, KY 41635 Property Records

Floyd County property record for 324 Right Penhook Rd, Harold, KY 41635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1980
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Aug 2020)
Tax Bill	$1,920 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Mar 2020 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`095-10-19-007.09`

Property Details

APN / Parcel Number

Primary APN	`095-10-19-007.09`
Alternative APN	`5188`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Basement Area	754 sqft
Unfinished Basement	754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Type	Basement
Garage Area	520 sqft
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	5188
Street Address	324 RIGHT PENHOOK RD
City	HAROLD
State	KY
Zip	41635-7009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Legal Subdivision	HIGH LIFE ESTATES SUBDIVISION
Legal Lot Number	1
Jurisdiction	FLOYD KY
Township / Civil Division	BETSY LAYNE-STANVILLE
Census Block Group	3
Census Block	3003
Census Tract	920301

Owner

Source: Floyd County records, as of December 1, 2025

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	324 RIGHT PENHOOK RD, HAROLD, KY 41635-7009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed, Transfer · Commercial Mortgage COMMUNITY TRUST BANK INC
Mar 25, 2020	Special Warranty Deed, Transfer · Line of Credit COMMUNITY TRUST BANK INC
Oct 2, 2019	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Mar 25, 2020 · Amount on Record
Deed Book / Page	656 / 454
Prior Transfer Date	Nov 5, 2005
Prior Transfer Doc	000519/516
Record Updated	Jun 8, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLOYD KY
Recording Date	Aug 14, 2020
Property Address	324 RIGHT PENHOOK RD, HAROLD, KY 41635-7009
Document Number	000656/454
Book / Page	656 / 454
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	Feb 20, 2023

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	275 GRAYSTONE HLS, PRESTONSBURG, KY 41653-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 RIGHT PENHOOK RD, HAROLD, KY 41635-7009

Mortgage

Document Number	000744/479
Date	Aug 14, 2020
Book Page	744/479

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLOYD KY
Recording Date	Mar 25, 2020
Property Address	324 RIGHT PENHOOK RD, HAROLD, KY 41635-7009
Document Number	00000654/9
Book / Page	654 / 9
Instrument Date	Feb 23, 2020
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
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
Address	275 GRAYSTONE HLS, PRESTONSBURG, KY 41653-8508

Mortgage

Document Number	0000738358
Date	Mar 25, 2020
Instrument	738/358

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	253 Months
Due	Apr 12, 2041

October 2019: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	FLOYD KY
Recording Date	Oct 2, 2019
Property Address	324 RIGHT PENHOOK RD, HAROLD, KY 41635-7009
Document Number	000648/471
Book / Page	648 / 471
Instrument Date	Sep 19, 2019
Transaction Type	Foreclosure
Record Updated	Feb 20, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 PLANO PKWY, CARROLLTON, TX 75010-4900

Tax Assessment & Valuation

Source: Floyd County assessment roll, as of December 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,920.00 (-0.72%)	$160,000 (-) Land $30,000 Building $130,000	$160,000 (-) Land $30,000 Building $130,000
2023	$1,934.00 (-0.26%)	$160,000 (-)	$160,000 (-)
2022	$1,939.00	$160,000	$160,000

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 September 15, 2015 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (2015–2025)
Most Recent Claim	Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Feb 2025 · 3 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	Moderate above 66% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within 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	SOUTHERN WATER & SEWER DISTRICT serves 15,110 people · EPA ID KY0360026
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Feb 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Inter-Mountain Cable Cable	1,000 / 40
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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