421 Bee Rock Rd, Stearns, KY 42647 Property Records

McCreary County property record for 421 Bee Rock Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 844 sqft · built 1935
Owner	Individual Name on Record
Last Sale	$20,000 (Dec 2019)
Tax Bill	$361 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-00-023.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-00-023.00`
Alternative APN	`16673`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	844 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1935
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Rolling
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Water Source	Commercial

Location & Zoning

Street Address	421 BEE ROCK RD
City	STEARNS
State	KY
Zip	42647-7123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	CO-OPERATIVE
Census Block Group	1
Census Block	1077
Census Tract	960200

Owner

Source: McCreary County records, as of January 29, 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
Co-owner	Co-owner on Record
Mailing Address	PO BOX 384, WHITLEY CITY, KY 42653-0384
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	129663
Deed Book / Page	D221 / 261
Record Updated	Jun 8, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Dec 20, 2019
Property Address	421 BEE ROCK RD, STEARNS, KY 42647-7123
Document Number	00D221/261
Book / Page	D221 / 261
Map Reference	DB 139 PG 685
Instrument Date	Dec 18, 2019
Instrument	129663
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$20.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 BEE ROCK RD, STEARNS, KY 42647-7123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 384, WHITLEY CITY, KY 42653-0384

Mortgage

Document Number	00M222/759
Date	Dec 20, 2019
Book Page	M222/759
Instrument	129664

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 18, 2039

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	McCreary County
Unified School District	McCreary County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$361.00 (-1.63%)	$45,000 (-)	$45,000 (-)
2023	$367.00	$45,000	$45,000

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 March 16, 2015 · 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 Claims	1 (2021)
Most Recent Claim	Mar 2021 · rainfall accumulation

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	Moderate above 64% of the US · above 80% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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