Harlan County property record for 448 Oak St, Harlan, KY 40831
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 864 sqft · built 1997 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Company Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 082-20-00-014.09 |
| Primary APN | 082-20-00-014.09 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 33193 |
|---|---|
| Street Address | 448 OAK ST |
| City | HARLAN |
| State | KY |
| Zip | 40831-2030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Jurisdiction | HARLAN KY |
| Township / Civil Division | HARLAN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 970900 |
448 Oak St, a single family home, is owned by a company.
Source: Harlan County records, as of October 27, 2025
| Owner of Record | Company Name on File |
|---|---|
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Harlan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Harlan County |
| Municipality | Harlan City |
| Unified School District | Harlan Independent School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $65,000 Land $5,000 Building $60,000 | $65,000 Land $5,000 Building $60,000 |
| 2023 | $40,000 Land $5,000 Building $35,000 | $40,000 Land $5,000 Building $35,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 448 Oak St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 26 (1978–2020) |
| Claims Outside the SFHA | 2 of 26 |
| Most Recent Claim | Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides |
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 448 Oak 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 |
| Adjoins Burnable Land | Yes |
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 | BLACK MTN UTILITY/COXTON private · serves 356 people · EPA ID KY0480265 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2016 |
|---|---|
| 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 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harlan Community Television Fiber · Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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