Floyd County property record for 43 Main St, Harold, KY 41635
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1998 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,440 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 095-10-10-001.00 |
| Primary APN | 095-10-10-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 6064 |
|---|---|
| Street Address | 43 MAIN ST |
| City | HAROLD |
| State | KY |
| Zip | 41635-9028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 0.22 ACRE (LOTS 165 166 & 167) |
| Legal Lot Number | 165 |
| Jurisdiction | FLOYD KY |
| Township / Civil Division | BETSY LAYNE-STANVILLE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 920301 |
43 Main St is owned and occupied by two individuals who acquired it in April 1998.
Source: Floyd County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 MAIN ST, HAROLD, KY 41635-9028 |
| 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 |
|---|---|
| Jan 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Mar 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1998 |
| Deed Sale | Apr 1, 1998 |
| Deed Document Number | 0000417659 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Property Address | 43 MAIN ST, HAROLD, KY 41635-9028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000694/231 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 694/231 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Dec 28, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Property Address | 43 MAIN ST, HAROLD, KY 41635-9028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000753/411 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 753/411 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 43 Main St was $1,440.
Source: Floyd County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Floyd County |
| Unified School District | Floyd County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,440.00 | $120,000 Land $30,000 Building $90,000 | $120,000 Land $30,000 Building $90,000 |
| 2023 | $1,450.00 | $120,000 | $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Main St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (2015–2025) |
| Most Recent Claim | Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 43 Main St is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 83% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
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 | SOUTHERN WATER & SEWER DISTRICT serves 15,110 people · EPA ID KY0360026 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Also Mapped Here | MOUNTAIN WATER DIST |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Feb 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Inter-Mountain Cable Cable | 1,000 / 40 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures