3591 Old State Rd, Mount Vernon, KY 40456 Property Records

Rockcastle County property record for 3591 Old State Rd, Mount Vernon, KY 40456

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1978
Owner	Individual Name on File
Tax Bill	$447 (2025)
Deeds & Mortgages	Jul 2020 Second Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`041-00-067.01`

Property Details

APN / Parcel Number

Primary APN	`041-00-067.01`
Alternative APNs	`1760501` `198101`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,120 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Logs
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Account Number	198101
Street Address	3591 OLD STATE RD
City	MOUNT VERNON
State	KY
Zip	40456-7275
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	ROCKCASTLE KY
Township / Civil Division	CONWAY
Census Block Group	3
Census Block	3020
Census Tract	950100

Owner

3591 Old State Rd is owned by an individual who acquired it in September 2021.

Source: Rockcastle County records, as of January 22, 2026

Owner of Record	Individual Name on File
Mailing Address	16 MCCOLLUM RD, BEREA, KY 40403-8567
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK COMMUNITY FCU
Jan 10, 2022	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Sep 27, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 27, 2021
Transfer Doc	000D280/67
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	3591 OLD STATE RD, MOUNT VERNON, KY 40456-7275
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M304/410
Date	Jul 30, 2020
Book Page	M304/410
Instrument	364591

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 21, 2030

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	3591 OLD STATE RD, MOUNT VERNON, KY 40456-7275
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MCCOLLUM RD, BEREA, KY 40403-8567

Mortgage

Document Number	000324/312
Date	Jan 10, 2022
Book Page	324/312
Instrument	369392

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Sep 27, 2021
Property Address	3591 OLD STATE RD, MOUNT VERNON, KY 40456-7275
Document Number	000D280/67
Book / Page	D280 / 67
Instrument Date	Sep 24, 2021
Instrument	368518
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$55.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2845 HICKORY RIDGE RD, WADDY, KY 40076-5059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MCCOLLUM RD, BEREA, KY 40403-8567

Tax Assessment & Valuation

The 2025 property tax bill for 3591 Old State Rd was $447.

Source: Rockcastle County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$447.00	$55,000	$55,000
2023	$455.00	$55,000	$55,000

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

Flood

FEMA maps place 3591 Old State Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 3591 Old State Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	WESTERN ROCKCASTLE WATER ASSOC private · serves 12,623 people · EPA ID KY1020891
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile.

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