McCreary County property record for 3446 Skull Bone Tower Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Lot Size | 7.76 acres (338,026 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,000 (Aug 2022) |
| Tax Bill | $49 (2025) |
| Deeds & Mortgages | Jul 2024 Sale Aug 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 024-00-00-024.00 |
| Primary APN | 024-00-00-024.00 |
|---|---|
| Alternative APN |
|
| Lot Area | 338,026 sqft (7.76 acres) |
|---|
| Street Address | 3446 SKULL BONE TOWER RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-7118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7.76 AC |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | CO-OPERATIVE |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 960200 |
Source: McCreary County records, as of March 20, 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 | 686 RIDGE CIRCLE RD, ANDERSONVILLE, TN 37705-3137 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2024 | Deed, Transfer |
| Aug 31, 2021 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2022 · Amount on Record |
| Deed Sale | Aug 9, 2022 · Amount on Record |
| Deed Document Number | 2022139113 |
| Deed Book / Page | 230 / 790 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Jul 24, 2024 |
| Property Address | 3446 SKULL BONE TOWER RD, STEARNS, KY 42647-7118 |
| Document Number | 00D238/385 |
| Book / Page | D238 / 385 |
| Instrument Date | Jul 24, 2024 |
| Instrument | 150297 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8919 HWY, STEARNS, KY 42647 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 686 RIDGE CIRCLE RD, ANDERSONVILLE, TN 37705-3137 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Aug 31, 2021 |
| Property Address | 3446 SKULL BONE TOWER RD, STEARNS, KY 42647-7118 |
| Document Number | 000D227/23 |
| Book / Page | D227 / 23 |
| Map Reference | DB 171 PG 559 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 134881 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $4.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7333 HIGHWAY 1363, STEARNS, KY 42647-7299 |
| Name | Verified Name |
|---|---|
| Address | 8919 HIGHWAY 1363, STEARNS, KY 42647-7167 |
| Investor | Possibly a Property Investor |
Source: McCreary County assessment roll, as of January 30, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $49.00 (-2%) | $6,200 (-) | $6,200 (-) |
| 2023 | $50.00 | $6,200 | $6,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 16, 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 |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
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 | Moderate above 65% of the US · above 81% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 | MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
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