Floyd County property record for 328 River Rd, Banner, KY 41603
| Property Type | Single Family Home |
|---|---|
| Details | 25,500 sqft · built 1978 |
| Lot Size | 0.585 acres (25,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Sep 1997) |
| Tax Bill | $1,680 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 077-00-00-040.01 |
| Primary APN | 077-00-00-040.01 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 25,500 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,500 sqft (0.585 acres) |
| Lot Dimensions | 170 ft deep x 150 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 6135 |
|---|---|
| Street Address | 328 RIVER RD |
| City | BANNER |
| State | KY |
| Zip | 41603-9079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT 150X170 & GARAGE |
| Legal Lot Number | 150X |
| Jurisdiction | FLOYD KY |
| Township / Civil Division | BETSY LAYNE-STANVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 920302 |
328 River Rd is owned and occupied by two individuals who bought it in September 1997.
Source: Floyd County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 328 RIVER RD, BANNER, KY 41603-9079 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1997 · Amount on File |
| Deed Sale | Sep 1, 1997 · Amount on File |
| Deed Document Number | 0000411418 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Property Address | 328 RIVER RD, BANNER, KY 41603-9079 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000788/222 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 788/222 |
| Instrument | 1186008 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 328 River Rd was $1,680.
Source: Floyd County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Floyd County |
| Unified School District | Floyd County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,680.00 | $140,000 Land $30,000 Building $110,000 | $140,000 Land $30,000 Building $110,000 |
| 2023 | $1,692.00 | $140,000 | $140,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 328 River Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 10 (2009–2025) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 328 River Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 84% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | None beyond ember reach |
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 | PRESTONSBURG CITY UTILITIES serves 26,788 people · EPA ID KY0360358 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 42 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: Optimum.
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