396 McCoy Ln, Webster, KY 40176 Property Records

Breckinridge County property record for 396 McCoy Ln, Webster, KY 40176

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,392 sqft
Lot Size	16.6 acres (727,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$324,000 (Oct 2021)
Tax Bill	$2,344 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`99-11A`

Property Details

APN / Parcel Number

Primary APN	`99-11A`
Alternative APN	`33427`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	727,016 sqft (16.6 acres)
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	33427
Street Address	396 MCCOY LN
City	WEBSTER
State	KY
Zip	40176-5216
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FARM & HOUSE
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	IRVINGTON
Census Block Group	3
Census Block	3085
Census Tract	960100

Owner

Source: Breckinridge County records, as of November 19, 2025

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
Co-owner	2 Co-owners on Record
Mailing Address	396 MCCOY LN, WEBSTER, KY 40176-5216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Mar 28, 2019	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 10, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Aug 4, 2010 · Amount on Record
Deed Document Number	2020904840
Deed Book / Page	442 / 201
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Oct 14, 2021
Property Address	396 MCCOY LN, WEBSTER, KY 40176-5216
Document Number	442/201
Book / Page	442 / 201
Instrument Date	Oct 8, 2021
Instrument	2020904840
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	METRO TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1740 BRADLEY ROAD, 1740, FORT MITCHELL, AL 36856

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	396 MCCOY LN, WEBSTER, KY 40176-5216

Mortgage

Document Number	513742
Date	Oct 14, 2021
Instrument	513/742

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	396 MCCOY LN, WEBSTER, KY 40176-5216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	463/748
Date	Mar 28, 2019
Book Page	463/748
Instrument	2019001600

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	396 MCCOY LN, WEBSTER, KY 40176-5216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	486/391
Date	Aug 10, 2020
Book Page	486/391
Instrument	2020004095

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2050

Tax Assessment & Valuation

Source: Breckinridge County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,344.00 (+2.14%)	$243,800 (-) Land $4,800 Building $239,000	$324,000 (-) Land $85,000 Building $239,000
2023	$2,295.00 (-0.69%)	$243,800 (-) Land $4,800 Building $239,000	$324,000 (-) Land $85,000 Building $239,000
2022	$2,311.00	$243,800 Land $4,800 Building $239,000	$324,000 Land $85,000 Building $239,000

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 8, 2024

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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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, as of December 31, 2025

Cell Coverage

4G LTE (outdoors only), no 5G reported

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