3528 State Rte 166 E, Fulton, KY 42041 Property Records

Fulton County property record for 3528 State Rte 166 E, Fulton, KY 42041

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,003 sqft · built 1989
Lot Size	11 acres (479,160 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Nov 2018)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Jul 2026 Transfer May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49-13`

Property Details

APN / Parcel Number

Primary APN	`49-13`
Alternative APNs	`84817` `3242`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	4,003 sqft Living Area
Basement Area	2,120 sqft
Finished Basement	2,120 sqft
Unfinished Basement	2,120 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stone
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	479,160 sqft (11 acres)
Lot Dimensions	800 ft deep x 600 ft wide
Terrain	Rolling
Driveway	Gravel Driveway
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump

Location & Zoning

Account Number	84817
Street Address	3528 STATE ROUTE 166 E
City	FULTON
State	KY
Zip	42041-7646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11.02AC HOUSE & SHOP
Legal Subdivision	COUNTY
Jurisdiction	FULTON KY
Township / Civil Division	FULTON
Census Block Group	2
Census Block	2071
Census Tract	960100

Owner

3528 State Rte 166 E is owned and occupied by two individuals who acquired it in December 2023.

Source: Fulton County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage SIMMONS BANK
Nov 2, 2018	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 14, 2017	Affidavit, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2018 · Amount on File
Deed Sale	Nov 2, 2018 · Amount on File
Deed Document Number	2018118941
Deed Book / Page	196 / 312
Last Transfer Date	Dec 18, 2023
Transfer Doc	0000579778
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FULTON KY
Recording Date	Jul 10, 2026
Property Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646
Document Number	0000579778
Book / Page	211 / 374
Instrument Date	Dec 18, 2023
Instrument	2026579778
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646
Investor	Possibly a Property Investor

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON KY
Property Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG187/725
Date	May 29, 2018
Book Page	MTG 187/725
Instrument	118486

Lender

Name	SIMMONS BANK
Type	Bank
Address	UNION CITY, TN 38261

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 11, 2019

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON KY
Recording Date	Nov 2, 2018
Property Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646
Document Number	DEED196/312
Book / Page	DEED 196 / 312
Instrument Date	Oct 29, 2018
Instrument	118941
Transaction Type	Transfer
Record Updated	Nov 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3528 STATE ROUTE 166 E, 3528, FULTON, KY 42041-7646

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	480 SUMNER RD, HERNDON, KY 42236-8256

Mortgage

Document Number	118942
Date	Nov 2, 2018
Instrument	118942

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

September 2017: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	FULTON KY
Recording Date	Sep 14, 2017
Property Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646
Document Number	DEED194/320
Book / Page	DEED 194 / 320
Instrument Date	Nov 9, 2016
Instrument	117025
Transaction Type	Transfer
Record Updated	Nov 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 STATE ROUTE 166 E, FULTON, KY 42041-7646

Tax Assessment & Valuation

The 2025 property tax bill for 3528 State Rte 166 E was $1,372.

Source: Fulton County assessment roll, as of October 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,372.00	$132,730	$132,730
2023	$1,383.00	$132,730	$132,730

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

Flood

FEMA maps place 3528 State Rte 166 E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · 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 Policies	1 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 3528 State Rte 166 E is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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