400 Forest Ave, Williamsburg, KY 40769 Property Records

Whitley County property record for 400 Forest Ave, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	2,812 sqft
Lot Size	0.71 acres (30,936 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Jul 2018)
Tax Bill	$660 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-30-00-101.13`

Property Details

APN / Parcel Number

Primary APN	`110-30-00-101.13`
Alternative APN	`132765`

Interior

Stories	2 Stories
Building Area	2,812 sqft Living Area
Basement Area	1,406 sqft
Finished Basement	1,406 sqft

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,936 sqft (0.71 acres)
Terrain	Rolling
Garage Area	588 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	45 sqft
Deck Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	400 FOREST AVE
City	WILLIAMSBURG
State	KY
Zip	40769-2042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	2 ST BRK/VNL HS & LT 13 (0. AC) @ EAGLE POINTE
Legal Subdivision	EATLE POINT SUB
Legal Lot Number	13
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2020
Census Tract	920502

Owner

400 Forest Ave is owned and occupied by an individual who bought it in July 2018.

Source: Whitley County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	400 FOREST AVE, WILLIAMSBURG, KY 40769-2042
Occupancy	Owner Occupied
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
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit L&N FCU
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Jul 19, 2018	Warranty Deed, Transfer · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2018 · Amount on File
Deed Sale	Jul 19, 2018 · Amount on File
Prior Sale	Jul 17, 2018 · Amount on File
Deed Document Number	2018231765
Deed Book / Page	546 / 126
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	400 FOREST AVE, WILLIAMSBURG, KY 40769-2042
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M688/778
Date	Mar 15, 2022
Book Page	M688/778
Instrument	278647

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 14, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	400 FOREST AVE, WILLIAMSBURG, KY 40769-2042
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M665/214
Date	Nov 17, 2020
Book Page	M665/214
Instrument	264942

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.5%
Index	10-Year TN
Margin	3
Max Rate	9.5%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Jul 19, 2018
Property Address	400 FOREST AVE, WILLIAMSBURG, KY 40769-2042
Document Number	000546/126
Book / Page	546 / 126
Map Reference	CAB 1 SL 352
Instrument Date	Jul 17, 2018
Instrument	231765
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1266 BARRIGONA CT, 1266, NAPLES, FL 34119-3339

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 FOREST AVE, WILLIAMSBURG, KY 40769-2042

Mortgage

Document Number	0000630843
Date	Jul 19, 2018
Instrument	630/843

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	11.8%

Tax Assessment & Valuation

The 2025 property tax bill for 400 Forest Ave was $660.

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Whitley County
Municipality	Williamsburg City
Unified School District	Williamsburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$660.00	$204,000	$204,000
2023	$687.00	$204,000	$204,000

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

Flood

FEMA maps place 400 Forest Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 17, 2021

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

Wildfire risk around 400 Forest Ave is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WILLIAMSBURG WATER DEPARTMENT serves 5,554 people · EPA ID KY1180471
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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