McCreary County property record for 493 E Appletree Rd, Stearns, KY 42647 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,008 sqft · built 2003 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $166,000 (Sep 2023) |
| Tax Bill | $1,334 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-40-03-007.00 |
| Primary APN | 122-40-03-007.00 |
|---|---|
| Alternative APN |
|
| Building Area | 1,008 sqft Living Area |
|---|---|
| Basement Area | 822 sqft |
| Unfinished Basement | 822 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 493 E APPLETREE RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | PINE KNOT |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 960402 |
Source: McCreary County records · APN 122-40-03-007.00
Assessment roll updated January 30, 2026 · Last verified June 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 | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK |
| Sep 08, 2023 | Deed, Transfer · VA Mortgage LOWER LLC |
| Sep 29, 2021 | Deed, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK |
| May 29, 2018 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 08, 2023 · Amount on Record |
| Deed Sale | Sep 08, 2023 · Amount on Record |
| Prior Sale | Dec 02, 2021 · Amount on Record |
| Deed Document Number | 2023145616 |
| Deed Book / Page | 235 / 66 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M236/522 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | M236/522 |
| Instrument | 136266 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 01, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Sep 08, 2023 |
| Property Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Document Number | 000D235/66 |
| Book / Page | D235 / 66 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 145616 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 293, PINE KNOT, KY 42635-0293 |
| Name | Verified Name |
|---|---|
| Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Document Number | 0000145617 |
|---|---|
| Date | Sep 08, 2023 |
| Instrument | 145617 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Number | 00M246/333 |
|---|---|
| Date | Sep 08, 2023 |
| Book Page | M246/333 |
| Instrument | 145618 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Sep 29, 2021 |
| Property Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Document Number | 00D227/308 |
| Book / Page | D227 / 308 |
| Map Reference | DB 216 PG 29 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 135183 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Name | Verified Name |
|---|---|
| Address | 433 TOM MEADOWS RD, STRUNK, KY 42649-7383 |
| Document Number | 0000135184 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 135184 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | May 29, 2018 |
| Property Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Document Number | 00D216/029 |
| Book / Page | D216 / 029 |
| Instrument Date | May 18, 2018 |
| Instrument | 125242 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $75.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 493 E APPLETREE RD, STEARNS, KY 42647-6100 |
| Name | Verified Name |
|---|---|
| Address | 219 WALNUT RD, WHITLEY CITY, KY 42653 |
Source: McCreary County records · Assessment roll updated January 30, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
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 | $1,334.00 (+58.81%) | $166,000 (+61.17%) | $166,000 (+61.17%) |
| 2023 | $840.00 (-2.33%) | $103,000 (-) | $103,000 (-) |
| 2022 | $860.00 | $103,000 | $103,000 |
Source: FEMA National Flood Hazard Layer, McCreary County (21147C), updated March 16, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 54% of the US · above 77% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 714 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 72 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Highland Telephone Cooperative, Inc. (KY & TN) | Fiber | 1,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
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