Floyd County property record for 487 Cecil Br, Banner, KY 41603
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,316 sqft · built 1969 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $430 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 078-00-00-053.00 |
| Primary APN | 078-00-00-053.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,316 sqft Living Area |
| Basement Area | 952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Exterior Material | Masonite |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 54,450 sqft (1.25 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Account Number | 32089 |
|---|---|
| Street Address | 487 CECIL BR |
| City | BANNER |
| State | KY |
| Zip | 41603-8049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1 1/4 ACRES |
| Jurisdiction | FLOYD KY |
| Township / Civil Division | BETSY LAYNE-STANVILLE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 920302 |
487 Cecil Br is owned and occupied by two individuals who acquired it in November 2001.
Source: Floyd County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 487 CECIL BR, BANNER, KY 41603-8049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Last Sale | Nov 1, 2001 |
| Deed Sale | Nov 1, 2001 |
| Deed Document Number | 0000466596 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLOYD KY |
| Property Address | 487 CECIL BR, BANNER, KY 41603-8049 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000761/724 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 761/724 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
The 2025 property tax bill for 487 Cecil Br was $430 with a homeowner's exemption.
Source: Floyd County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Floyd County |
| Unified School District | Floyd County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $430.00 Homeowner's exemption | $85,000 Land $25,000 Building $60,000 | $85,000 Land $25,000 Building $60,000 |
| 2023 | $467.00 | $85,000 | $85,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 487 Cecil Br in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2009.
Source: FEMA National Flood Hazard Layer, effective September 15, 2015 · 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 |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 10 (2009–2025) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 487 Cecil Br is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PRESTONSBURG CITY UTILITIES serves 26,788 people · EPA ID KY0360358 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Inter-Mountain Cable Cable | 1,000 / 40 |
No cell data coverage reported
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