Whitley County property record for 40 Smith Ln, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,336 sqft |
| Lot Size | 2.35 acres (102,786 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Aug 2026) |
| Tax Bill | $220 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 093-30-04-013.01 |
| Primary APN | 093-30-04-013.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,336 sqft Living Area |
| Basement Area | 468 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 102,786 sqft (2.35 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 336 sqft |
| Carport | Carport |
| Carport Area | 336 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 21649 |
|---|---|
| Street Address | 40 SMITH LN |
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 1 ST BRK HS & LT @ W MAIN |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | WILLIAMSBURG |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 920601 |
Source: Whitley County records, as of September 14, 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 | 40 SMITH LN, WILLIAMSBURG, KY 40769-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2026 · Amount on Record |
| Deed Sale | Aug 25, 2026 · Amount on Record |
| Deed Document Number | 2026370665 |
| Deed Book / Page | 595 / 94 |
| Prior Transfer Date | Aug 7, 2026 |
| Prior Transfer Doc | 0000370665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Aug 25, 2026 |
| Property Address | 40 SMITH LN, WILLIAMSBURG, KY 40769-1824 |
| Document Number | 0000370665 |
| Book / Page | 595 / 94 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 2026370665 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,725.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 40 SMITH LN, WILLIAMSBURG, KY 40769-1824 |
| Document Number | 0000370666, |
|---|---|
| Date | Aug 25, 2026 |
| Book Page | 746/684 |
| Instrument | 2026370666 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 7, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Municipality | Williamsburg City |
| Unified School District | Williamsburg Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $220.00 (-7.56%) | $117,200 (-) | $117,200 (-) |
| 2023 | $238.00 Homeowner's exemption | $117,200 | $117,200 |
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 May 17, 2021 · 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 | 5 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides |
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 45% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.09% 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 | CUMBERLAND FALLS HIGHWAY WATER DISTRICT serves 9,498 people · EPA ID KY1180093 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2024 |
|---|---|
| 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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