4638 Echo Valley Rd, Lily, KY 40740 Property Records

Laurel County property record for 4638 Echo Valley Rd, Lily, KY 40740

Property Summary

Property Type	Single Family Home
Details	1 ba · 816 sqft · built 1975
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,500 (Jul 2023)
Tax Bill	$66 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2025 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-00-00-026.00`

Property Details

APN / Parcel Number

Primary APN	`110-00-00-026.00`
Alternative APNs	`340670` `13930`

Interior

Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	81,022 sqft (1.86 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Coal

Location & Zoning

Account Number	340670
Street Address	4638 ECHO VALLEY RD
City	LILY
State	KY
Zip	40740-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	1.86 ACRES
Jurisdiction	LAUREL KY
Township / Civil Division	CAMP GROUND
Census Block Group	1
Census Block	1015
Census Tract	970900

Owner

Source: Laurel County records, as of June 10, 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	4867 ECHO VALLEY RD, LILY, KY 40740-3419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
May 29, 2025	Deed of Trust, Mortgage · Construction Mortgage 1ST TRUST BANK INC
Jul 17, 2023	Commissioner's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Deed Document Number	2023576127
Deed Book / Page	803 / 514
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUREL KY
Recording Date	Jun 4, 2026
Property Address	4638 ECHO VALLEY RD, LILY, KY 40740-3417
Document Number	0000632501
Book / Page	1464 / 665
Instrument Date	Jun 3, 2026
Instrument	2026632501
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4867 ECHO VALLEY RD, LILY, KY 40740-3419

Mortgage

Document Number	0000632501,
Date	Jun 4, 2026
Book Page	1464/665
Instrument	2026632501

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 3, 2031

Interest

Rate	6.37%
Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUREL KY
Property Address	4638 ECHO VALLEY RD, LILY, KY 40740-3417
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4867 ECHO VALLEY RD, LILY, KY 40740-3419

Mortgage

Document Number	0M1425/237
Date	May 29, 2025
Book Page	M1425/237
Instrument	607521

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	LONDON, KY 40741

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 28, 2026

July 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	LAUREL KY
Recording Date	Jul 17, 2023
Property Address	4638 ECHO VALLEY RD, LILY, KY 40740-3417
Document Number	00D803/514
Book / Page	D803 / 514
Map Reference	DB 288 PG 381
Instrument Date	Jul 14, 2023
Instrument	576127
Transaction Type	Foreclosure
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4867 ECHO VALLEY RD, LILY, KY 40740-3419

Tax Assessment & Valuation

Source: Laurel County assessment roll, as of December 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$66.00 (-76.09%)	$8,500 (-75.71%) Land $8,500	$8,500 (-75.71%) Land $8,500
2023	$276.00 (-0.72%)	$35,000 (-)	$35,000 (-)
2022	$278.00	$35,000	$35,000

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 March 16, 2015

FEMA Flood Zone	Zone X minimal risk
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 81% of the US · above 94% of Kentucky
Wildfire Likelihood	0.8% 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	EAST LAUREL WATER DISTRICT serves 16,062 people · EPA ID KY0630797
Water Source	Purchased surface water from WOOD CREEK WATER DISTRICT
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Zetalink.

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