48 Phillips Ln, Stearns, KY 42647 Property Records

McCreary County property record for 48 Phillips Ln, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,414 sqft
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Tax Bill	$216 (2025)
Flood Zone	Zone X (minimal risk)
APN	`105-40-04-004.02`

Property Details

APN / Parcel Number

Primary APN	`105-40-04-004.02`
Alternative APN	`20480`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,414 sqft Living Area
Basement Area	196 sqft
Family Room	Family Room

Exterior

Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Lot Area	65,340 sqft (1.5 acres)
Terrain	Rolling
Porch	Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Heating System	Other
Water Source	Commercial

Location & Zoning

Street Address	48 PHILLIPS LN
City	STEARNS
State	KY
Zip	42647-6206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.5 AC & HSE DB 126-318
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2001
Census Tract	960301

Owner

Source: McCreary County records · APN 105-40-04-004.02

Assessment roll updated July 1, 2025 · Last verified February 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 File
Mailing Address	PO BOX 55, STEARNS, KY 42647-0055
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Deed Document Number	0000109119
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: McCreary County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$216.00	$76,000	$76,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 16, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Highland Telephone Cooperative, Inc. (KY & TN) Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 48 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MCCREARY COUNTY WATER DISTRICT serves 34,439 people
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.