331 S 3rd St, Williamsburg, KY 40769 Property Records

Whitley County property record for 331 S 3rd St, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,600 sqft
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Dec 2021)
Tax Bill	$518 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111-30-08-017.00`

Property Details

APN / Parcel Number

Primary APN	`111-30-08-017.00`
Alternative APNs	`136472` `20885`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Basement Area	960 sqft
Finished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Terrain	Rolling
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	331 S 3RD ST
City	WILLIAMSBURG
State	KY
Zip	40769-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1 ST VNL HS W/BSMNT & LT 3RD ST
Legal Lot Number	3
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2004
Census Tract	920602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	331 S 3RD ST, WILLIAMSBURG, KY 40769-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Line of Credit L&N FCU
Dec 2, 2021	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC
Oct 18, 2017	Warranty Deed, Transfer FIRST STATE FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021 · Amount on Record
Deed Sale	Dec 2, 2021 · Amount on Record
Prior Sale	Oct 18, 2017 · Amount on Record
Deed Document Number	2021276452
Deed Book / Page	565 / 304
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	331 S 3RD ST, WILLIAMSBURG, KY 40769-1217
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M710/704
Date	Nov 29, 2023
Book Page	M710/704
Instrument	303501

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WHITLEY KY
Recording Date	Dec 2, 2021
Property Address	331 S 3RD ST, WILLIAMSBURG, KY 40769-1217
Document Number	00D565/304
Book / Page	D565 / 304
Instrument Date	Nov 10, 2021
Instrument	276452
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	ACCURATE EQUITY GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1027 PELHAM ST, 1027, WILLIAMSBURG, KY 40769-1414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 S 3RD ST, WILLIAMSBURG, KY 40769-1217

Mortgage

Document Number	000M683789
Date	Dec 2, 2021
Instrument	M683/789

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Oct 18, 2017
Property Address	331 S 3RD ST, WILLIAMSBURG, KY 40769-1217
Document Number	000541/886
Book / Page	541 / 886
Instrument Date	Oct 17, 2017
Instrument	227387
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 ELM ST APT 1, 430, WILLIAMSBURG, KY 40769-1365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1027 PELHAM ST, WILLIAMSBURG, KY 40769-1414

Mortgage

Document Number	0000621881
Date	Oct 18, 2017
Instrument	621/881

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 17, 2037

Tax Assessment & Valuation

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	$518.00 (-3.9%)	$160,000 (-)	$160,000 (-)
2023	$539.00	$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 May 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, 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

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

Wildfire Risk	Moderate above 43% of the US · above 73% of Kentucky
Wildfire Likelihood	0.09% 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	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 183 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
Verizon Fixed Wireless	300 / 20

May also be available: Zito Media.

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