401 Main St, Williamsburg, KY 40769 Property Records

Whitley County property record for 401 Main St, Williamsburg, KY 40769

Property Summary

Property Type	Commercial Office
Details	4,200 sqft · built 1918
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Feb 2026)
Tax Bill	$1,620 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-20-06-001.00`

Property Details

APN / Parcel Number

Primary APN	`110-20-06-001.00`
Alternative APN	`133569`

Interior

Stories	2 Stories
Building Area	4,200 sqft Total Area
Office	8,400 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Shed Roof
Roof Material	Tar & Gravel
Lot Area	6,970 sqft (0.16 acres)
Driveway	Asphalt Driveway

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	401 MAIN ST
City	WILLIAMSBURG
State	KY
Zip	40769-1125
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	RESIDENTIA
Legal Description	2 ST BLDG W/PATIO & LT @ 4 & MAIN ST
Jurisdiction	WHITLEY KY
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2014
Census Tract	920602

Owner

Source: Whitley County records, as of April 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	494 MCGHEE ST, JELLICO, TN 37762-2230
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Warranty Deed, Transfer FIRST NATIONAL BANK OF ONEIDA
Feb 14, 2023	Warranty Deed, Transfer
Jun 4, 2019	Warranty Deed, Construction Loan · Construction Mortgage FORCHT BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2026 · Amount on Record
Deed Sale	Feb 25, 2026 · Amount on Record
Prior Sale	Jun 4, 2019 · Amount on Record
Deed Document Number	2026357601
Deed Book / Page	591 / 609
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Feb 25, 2026
Property Address	401 MAIN ST, WILLIAMSBURG, KY 40769-1125
Document Number	00D591/609
Book / Page	D591 / 609
Instrument Date	Feb 18, 2026
Instrument	357601
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 N WALNUT ST # ST500, ST500, PINEVILLE, KY 40977-1639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 MCGHEE ST, JELLICO, TN 37762-2230

Mortgage

Document Number	0000357602
Date	Feb 25, 2026
Instrument	357602

Lender

Name	FIRST NATIONAL BANK OF ONEIDA
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 18, 2041

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Feb 14, 2023
Property Address	401 MAIN ST, WILLIAMSBURG, KY 40769-1125
Document Number	00D573/460
Book / Page	D573 / 460
Instrument Date	Dec 19, 2022
Instrument	290043
Transaction Type	Transfer
Record Updated	Mar 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 N WALNUT ST, PINEVILLE, KY 40977-1639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 N WALNUT ST # 500, 500, PINEVILLE, KY 40977-1639
Investor	Possibly a Property Investor

June 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Jun 4, 2019
Property Address	401 MAIN ST, WILLIAMSBURG, KY 40769-1125
Document Number	00D550/903
Book / Page	D550 / 903
Instrument Date	May 30, 2019
Instrument	237172
Transaction Type	Construction Loan
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2177, CORBIN, KY 40702-2177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 N WALNUT ST, PINEVILLE, KY 40977-1639

Mortgage

Document Number	000M642169
Date	Jun 4, 2019
Instrument	M642/169

Lender

Name	FORCHT BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	179 Months
Due	May 30, 2034

Tax Assessment & Valuation

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	$1,620.00 (-1.52%)	$500,000 (-)	$500,000 (-)
2024	$1,645.00 (-2.37%)	$500,000 (-)	$500,000 (-)
2023	$1,685.00	$500,000	$500,000

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 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	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

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

Wildfire Risk	Low lower than 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 183 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

May also be available: Zito Media.

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