McCreary County property record for 39 Wall St, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,393 sqft · built 2005 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,294 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-00-00-076.00 |
| Primary APN | 122-00-00-076.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,393 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,572 sqft (0.61 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 90 sqft |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 39 WALL ST |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 & HSE |
| Legal Lot Number | 8 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 960302 |
Source: McCreary County records, as of January 29, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 39 WALL ST, STEARNS, KY 42647-6323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2005 |
| Deed Sale | May 23, 2005 |
| Deed Document Number | 77092 |
| Deed Book / Page | 172 / 765 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 39 WALL ST, STEARNS, KY 42647-6323 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M229/699 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | M229/699 |
| Instrument | 132863 |
| Name | UNITED CUMBERLAND BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 15, 2041 |
| Rate Type | Fixed Rate |
|---|
Source: McCreary County assessment roll, as of July 1, 2025
| 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 | $1,294.00 (-1.45%) | $161,000 (-) | $161,000 (-) |
| 2023 | $1,313.00 | $161,000 | $161,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 78% 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
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