446 Cindy Ln, Williamsburg, KY 40769 Property Records

Whitley County property record for 446 Cindy Ln, Williamsburg, KY 40769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2022
Lot Size	5.05 acres (220,109 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Nov 2021)
Tax Bill	$2,116 (2025)
Deeds & Mortgages	Jan 2022 Construction Loan Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`107-00-00-034.45`

Property Details

APN / Parcel Number

Primary APN	`107-00-00-034.45`
Alternative APN	`136407`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	220,109 sqft (5.05 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	446 CINDY LN
City	WILLIAMSBURG
State	KY
Zip	40769-8601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MH
Legal Description	2 ST HS & LT 45 (5.053 AC SANDY AC
Legal Subdivision	SANDY AC
Legal Lot Number	45
Jurisdiction	WHITLEY KY
Township / Civil Division	CUMBERLAND FALLS
Census Block Group	2
Census Block	2049
Census Tract	920402

Owner

Source: Whitley County records, as of April 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	101 GOLDBUG CHURCH RD, WILLIAMSBURG, KY 40769-9607
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE FINANCIAL INC
Nov 10, 2021	Warranty Deed, Transfer
May 17, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	May 17, 2021 · Amount on Record
Deed Document Number	2021276139
Deed Book / Page	564 / 972
Prior Transfer Date	Oct 3, 2013
Prior Transfer Doc	000519/224
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	446 CINDY LN, WILLIAMSBURG, KY 40769-8601
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	NOT AVAILABLE, KY MTN LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3999 BEE CREEK RD, CORBIN, KY 40701-8817

Mortgage

Document Number	00M686/304
Date	Jan 24, 2022
Book Page	M686/304
Instrument	277311

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.87%
Index	1-Year CMT
Margin	3
Max Rate	8.87%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	Nov 10, 2021
Property Address	446 CINDY LN, WILLIAMSBURG, KY 40769-8601
Document Number	00D564/972
Book / Page	D564 / 972
Map Reference	MB 4 PG 162 SL 357
Instrument Date	Nov 9, 2021
Instrument	276139
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 RACHEL RD, WILLIAMSBURG, KY 40769-8629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 GOLDBUG CHURCH RD, WILLIAMSBURG, KY 40769-9607

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	May 17, 2021
Property Address	446 CINDY LN, WILLIAMSBURG, KY 40769-8601
Document Number	00D561/954
Book / Page	D561 / 954
Map Reference	MB 4 PG 162 SL 357
Instrument Date	Apr 29, 2021
Instrument	272877
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Amount	Amount Recorded
Tax	$20.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5796 S HIGHWAY 25 W, WILLIAMSBURG, KY 40769-9777

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	115 RACHEL RD, WILLIAMSBURG, KY 40769-8629

Tax Assessment & Valuation

Source: Whitley County assessment roll, as of April 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,116.00 (+5.06%)	$270,000 (-)	$270,000 (-)
2023	$2,014.00	$270,000	$270,000

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 May 17, 2021

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 90% of Kentucky
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CUMBERLAND FALLS HIGHWAY WATER DISTRICT serves 9,498 people · EPA ID KY1180093
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2024
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 36 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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