McCreary County property record for 42 Wall St, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Individual Name on File |
| Last Sale | $143,000 (Jul 2019) |
| Tax Bill | $1,478 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-00-00-075.00 |
| Primary APN | 122-00-00-075.00 |
|---|---|
| Alternative APN |
|
| Lot Area | 44,867 sqft (1.03 acres) |
|---|
| Street Address | 42 WALL ST |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 7 & 10 & HSE |
| Legal Lot Number | 7,10 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 960302 |
42 Wall St is owned and occupied by an individual who bought it in July 2019.
Source: McCreary County records, as of January 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 42 WALL ST, STEARNS, KY 42647-6323 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · VA Mortgage LOANDRONE INC |
| Jun 1, 2021 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Mar 10, 2017 | Deed of Trust, Mortgage · VA Mortgage PNC MORTGAGE LLC |
| Jul 22, 2019 | Deed of Trust, Mortgage · VA Mortgage ARK LA TEX FINANCIAL SERVICES |
| Jul 22, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2019 · Amount on File |
| Deed Sale | Jul 22, 2019 · Amount on File |
| Prior Sale | Mar 31, 2011 · Amount on File |
| Deed Document Number | 128381 |
| Deed Book / Page | D219 / 751 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 42 WALL ST, STEARNS, KY 42647-6323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|---|
| Address | 42 WALLST, STEARNS, KY 42647-6323 |
| Document Number | 00M246/134 |
|---|---|
| Date | Aug 25, 2023 |
| Book Page | M246/134 |
| Instrument | 145464 |
| Name | LOANDRONE INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 42 WALL ST, STEARNS, KY 42647-6323 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | M231/708 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | M231/708 |
| Instrument | 133896 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 42 WALL ST, STEARNS, KY 42647-6323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M208/711 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | M208/711 |
| Instrument | 121617 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 42 WALL ST, STEARNS, KY 42647-6323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M220/406 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | M220/406 |
| Instrument | 128382 |
| Name | ARK LA TEX FINANCIAL SERVICES |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Jul 22, 2019 |
| Property Address | 42 WALL ST, STEARNS, KY 42647-6323 |
| Document Number | 00D219/751 |
| Book / Page | D219 / 751 |
| Map Reference | DB 726 PG 724 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 128381 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $143.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3600 CRESTHILL LN, 3600, LAND O LAKES, FL 34639-8805 |
| Name | Verified Name |
|---|---|
| Address | 42 WALL ST, STEARNS, KY 42647-6323 |
The 2025 property tax bill for 42 Wall St was $1,478.
Source: McCreary County assessment roll, as of July 1, 2025
| 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 | $1,478.00 | $233,000 | $233,000 |
| 2023 | $845.00 Homeowner's exemption Disabled Person's exemption | $150,000 | $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 42 Wall St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 42 Wall St 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 | 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 72 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 |
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