Elliott County property record for 408 Howards Creek Rd, Sandy Hook, KY 41171
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,154 sqft · built 2005 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $30,000 (Oct 1998) |
| Tax Bill | $1,794 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-00-00-004.02 |
| Primary APN | 032-00-00-004.02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,154 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Stone |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 353 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 408 HOWARDS CREEK RD |
|---|---|
| City | SANDY HOOK |
| State | KY |
| Zip | 41171-8539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.25 ACRES & RESIDENCE |
| Jurisdiction | ELLIOTT KY |
| Township / Civil Division | SANDY HOOK |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 920102 |
Source: Elliott County records, as of December 4, 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 |
|---|---|
| Mailing Address | 408 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 1998 · Amount on Record |
| Deed Sale | Oct 10, 1998 · Amount on Record |
| Deed Document Number | 0000090477 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIOTT KY |
| Property Address | 408 HOWARDS CREEK RD, SANDY HOOK, KY 41171-8539 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000M89/129 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | M89/129 |
| Instrument | 12061 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Elliott County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Elliott County |
| Municipality | Sandy Hook City |
| Unified School District | Elliott County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,794.00 (+9.52%) | $169,776 (-) Land $169,776 | $169,776 |
| 2023 | $1,638.00 | $169,776 Land $169,776 |
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 August 5, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Jan 2021 · other causes |
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 51% of the US · above 76% 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 | SANDY HOOK WATER DISTRICT serves 3,528 people · EPA ID KY0320383 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Rural Telephone Cooperative Fiber | 2,000 / 2,000 |
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