Harlan County property record for 421 Main St, Benham, KY 40807
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,884 sqft · built 1910 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $679 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 214-20-02-002.00 |
| Primary APN | 214-20-02-002.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,884 sqft Living Area |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 11937 |
|---|---|
| Street Address | 421 MAIN ST |
| City | BENHAM |
| State | KY |
| Zip | 40807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Jurisdiction | HARLAN KY |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 970100 |
421 Main St, a single family home, is owned by an individual.
Source: Harlan County records, as of October 27, 2025
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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 13, BENHAM, KY 40807-0013 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 421 Main St was $679.
Source: Harlan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Benham City |
| County | Harlan County |
| Unified School District | Harlan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $679.00 | $36,900 Land $3,900 Building $33,000 | $36,900 Land $3,900 Building $33,000 |
| 2023 | $682.00 | $36,900 Land $3,900 Building $33,000 | $36,900 Land $3,900 Building $33,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 17, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1998 · 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 risk around 421 Main St is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 85% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% 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 | BENHAM WATER PLANT serves 855 people · EPA ID KY0480028 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Dec 2016 |
|---|---|
| Treatment and Procedure | No certified operator currently in violation since Mar 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Access Cable Fiber · Cable | 2,000 / 2,000 |
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