Whitley County property record for 48 Grindstone Rd, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,883 sqft · built 2005 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,900 (Aug 2020) |
| Tax Bill | $1,567 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 089-00-00-048.11 |
| Primary APN | 089-00-00-048.11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,883 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| Terrain | Rolling |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Porch Area | 135 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 48 GRINDSTONE RD |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-2842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | 1 ST VNL HS & PT LT 10 (0.54 +-) |
| Legal Lot Number | 10 |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | CUMBERLAND FALLS |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 920402 |
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 | 48 GRINDSTONE RD, WILLIAMSBURG, KY 40769-2842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Apr 24, 2018 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Aug 26, 2020 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2020 · Amount on Record |
| Deed Sale | Aug 26, 2020 · Amount on Record |
| Prior Sale | Aug 7, 2020 · Amount on Record |
| Deed Document Number | 2020245354 |
| Deed Book / Page | 557 / 488 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 48 GRINDSTONE RD, WILLIAMSBURG, KY 40769-2842 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 00M641/614 |
|---|---|
| Date | May 20, 2019 |
| Book Page | M641/614 |
| Instrument | 236860 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 48 GRINDSTONE RD, WILLIAMSBURG, KY 40769-2842 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 48 GRINDSTONE RD, WILLIAMSBURG, KY 40769-2842 |
| Document Number | 000627/845 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 627/845 |
| Instrument | 230326 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | WILLIAMSBURG, KY 40769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Mar 29, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | WHITLEY KY |
| Recording Date | Aug 26, 2020 |
| Property Address | 48 GRINDSTONE RD, WILLIAMSBURG, KY 40769-2842 |
| Document Number | 00D557/488 |
| Book / Page | D557 / 488 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 245354 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 GRINDSTONE RD, 48, WILLIAMSBURG, KY 40769-2842 |
| Name | Verified Name |
|---|---|
| Address | 48 GRINDSTONE RD, WILLIAMSBURG, KY 40769-2842 |
| Document Number | 000M660831 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | M660/831 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Unified School District | Whitley County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,567.00 (+5.1%) | $199,900 (-) | $199,900 (-) |
| 2023 | $1,491.00 | $199,900 | $199,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 17, 2021
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 83% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 23 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 |
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