4320 Cloverlick Rd, Cumberland, KY 40823 Property Records

Harlan County property record for 4320 Cloverlick Rd, Cumberland, KY 40823

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,367 sqft · built 1988
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Tax Bill	$147 (2025)
Flood Zone	Zone X (minimal risk)
APN	`208-00-00-002.00`

Property Details

APN / Parcel Number

Primary APN	`208-00-00-002.00`
Alternative APN	`15955`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,367 sqft Living Area

Exterior

Year Built	Built 1988
Foundation Type	Block
Roof Material	Metal
Lot Area	98,010 sqft (2.25 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	15955
Street Address	4320 CLOVERLICK RD
City	CUMBERLAND
State	KY
Zip	40823-8012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	HARLAN KY
Township / Civil Division	CUMBERLAND
Census Block Group	4
Census Block	4023
Census Tract	970200

Owner

Source: Harlan County records · APN 208-00-00-002.00

Assessment roll updated April 1, 2025 · Last verified November 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 File
Mailing Address	4320 CLOVERLICK RD, CUMBERLAND, KY 40823-8012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Document Number	0000204374
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Harlan County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$147.00 (-0.68%)	$11,000 (-) Land $1,750 Building $9,250	$11,000 (-) Land $1,750 Building $9,250
2023	$148.00	$11,000 Land $1,750 Building $9,250	$11,000 Land $1,750 Building $9,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 17, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1984–2007)
Most Recent Claim	Apr 2007 · river or lake flooding

Wildfire

Wildfire Risk	High above 70% of the US · above 83% of Kentucky
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Access Cable Television Fiber · Cable	2,000 / 2,000

Based on FCC filings for 4 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CUMBERLAND MUNICIPAL WATER WORKS serves 2,843 people
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jul 2020 Haloacetic acids resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.