451 Irwin Rd, Olive Hill, KY 41164 Property Records

Carter County property record for 451 Irwin Rd, Olive Hill, KY 41164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 1980
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Apr 2026)
Tax Bill	$1,088 (2025)
Deeds & Mortgages	Apr 2026 Sale Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-00-01-020.00`

Property Details

APN / Parcel Number

Primary APN	`043-00-01-020.00`
Alternative APN	`26974`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,160 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
View / Lot	Waterfront - Canal
Driveway	Asphalt Driveway

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	680 sqft
Patio Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	26974
Street Address	451 IRWIN RD
City	OLIVE HILL
State	KY
Zip	41164-9015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	CARTER KY
Township / Civil Division	OLIVE HILL
Census Block Group	3
Census Block	3031
Census Tract	960200

Owner

Source: Carter County records, as of April 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	451 IRWIN RD, OLIVE HILL, KY 41164-9015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed, Transfer BLUEGRASS LAND TITLE
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOPRIME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Apr 22, 2025 · Amount on Record
Deed Document Number	20261025753
Deed Book / Page	555 / 206
Prior Transfer Date	Apr 18, 2025
Prior Transfer Doc	0001005944
Record Updated	Jun 8, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Apr 6, 2026
Property Address	451 IRWIN RD, OLIVE HILL, KY 41164-9015
Document Number	0001025753
Book / Page	555 / 206
Instrument Date	Mar 19, 2026
Instrument	20261025753
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$23,230.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	451 IRWIN RD, OLIVE HILL, KY 41164-9015

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	451 IRWIN RD, OLIVE HILL, KY 41164-9015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	OR422/075
Date	Nov 27, 2019
Book Page	OR422/075
Instrument	401044

Lender

Name	GOPRIME MORTGAGE INC
Type	Non-Lending Institution
Address	APEX, NC 27502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Carter County
Municipality	Olive Hill City
Unified School District	Carter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,088.00 (+14.77%)	$127,600 (+16%)	$127,600 (+16%)
2023	$948.00	$110,000	$110,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · 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	10 (2000–2015)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 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 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.05% 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	OLIVE HILL MUNICIPAL WATER WORKS serves 6,192 people · EPA ID KY0220335
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Apr 2018
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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	300 / 20

May also be available: T-Mobile, Verizon.

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