McCreary County property record for 405 State Garage Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,352 sqft |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $35,000 (Nov 2014) |
| Tax Bill | $482 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 106-40-02-034.00 |
| Primary APN | 106-40-02-034.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,352 sqft Living Area |
| Family Room | Family Room |
| Exterior Material | Other |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 320 sqft |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 405 STATE GARAGE RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-7279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 960302 |
Source: McCreary County records, as of January 30, 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 |
|---|---|
| Mailing Address | 405 STATE GARAGE RD, STEARNS, KY 42647-7279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2014 · Amount on Record |
| Deed Sale | Nov 26, 2014 · Amount on Record |
| Deed Document Number | 2014109121 |
| Deed Book / Page | 205 / 79 |
| Prior Transfer Date | Nov 25, 2014 |
| Prior Transfer Doc | 000D205/79 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 405 STATE GARAGE RD, STEARNS, KY 42647-7279 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 000M219/44 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | M219/44 |
| Instrument | 127402 |
| Name | UNITED CUMBERLAND BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2039 |
| Rate Type | Fixed Rate |
|---|
Source: McCreary County assessment roll, as of January 30, 2026
| 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 | $482.00 (-1.43%) | $60,000 (-) | $60,000 (-) |
| 2023 | $489.00 | $60,000 | $60,000 |
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 67% of the US · above 81% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.3% 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 44 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 |
4G LTE only, no 5G reported
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