44 Willow Loop, Sturgis, KY 42459 Property Records

Union County property record for 44 Willow Loop, Sturgis, KY 42459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,334 sqft · built 1994
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$205,480 (Jun 2022)
Tax Bill	$2,018 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`40-15A-23`

Property Details

APN / Parcel Number

Primary APN	`40-15A-23`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,334 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	145 ft deep x 85 ft wide
Garage Area	406 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	44 WILLOW LOOP
City	STURGIS
State	KY
Zip	42459-1797
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	44 WILLOW LOOP
Legal Subdivision	ROLLING ACRES
Jurisdiction	UNION KY
Township / Civil Division	STURGIS
Census Block Group	5
Census Block	5031
Census Tract	950300

Owner

Source: Union County records, as of June 2, 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
Mailing Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage SECRETARY OF HOUSING & URBAN DEVELOPMENT
Mar 24, 2021	Deed of Trust, Mortgage · FHA Mortgage DAS ACQUISITION
Aug 21, 2018	Deed of Trust, Mortgage SOUTH CENTRAL BANK
Aug 21, 2018	Deed of Trust, Mortgage KENTUCKY HOUSING CORPORATION
Aug 21, 2018	Deed, Transfer
Mar 8, 2018	Deed of Trust, Mortgage LOANDEPOTCOM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Aug 21, 2018 · Amount on Record
Deed Document Number	2022350641
Deed Book / Page	396 / 70
Prior Transfer Date	Jun 13, 2022
Prior Transfer Doc	0000350641
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M494/749
Date	Oct 8, 2025
Book Page	M494/749

Lender

Name	SECRETARY OF HOUSING & URBAN DEVELOPMENT

Agreement

Amount	Amount Recorded
Term	306 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	457/543
Date	Mar 24, 2021
Book Page	457/543

Lender

Name	DAS ACQUISITION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000436/0000000383
Date	Aug 21, 2018
Book Page	0000000436/0000000383
Instrument	180-00001782

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000436/0000000397
Date	Aug 21, 2018
Book Page	0000000436/0000000397
Instrument	180-00001782

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Amount	Amount Recorded

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION KY
Recording Date	Aug 21, 2018
Property Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Document Number	379/63
Book / Page	379 / 63
Instrument Date	Aug 17, 2018
Instrument	180-00001782
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 GREEN ACRES RD, TOMPKINSVILLE, KY 42167-1880

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	44 WILLOW LOOP, STURGIS, KY 42459-1797
Transaction Type	Mortgage
Record Updated	Mar 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000433/0000000386
Date	Mar 8, 2018
Book Page	0000000433/0000000386
Instrument	001473230017

Lender

Name	LOANDEPOTCOM LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Union County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Union County
Municipality	Sturgis City
Unified School District	Union County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,018.00 (+50.26%)	$130,000 (-) Land $10,000 Building $120,000	$130,000 (-) Land $10,000 Building $120,000
2023	$1,343.00	$130,000 Land $10,000 Building $120,000	$130,000 Land $10,000 Building $120,000

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 October 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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	9 (1999–2013)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Oct 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2011 · 5 claims

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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	STURGIS WATER WORKS serves 3,490 people · EPA ID KY1130422
Water Source	Purchased surface water from UNION COUNTY WATER DISTRICT
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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