McCreary County property record for 5 Bruce St, Stearns, KY 42647 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,247 sqft · built 1976 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $248 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 106-30-10-001.00 |
| Primary APN | 106-30-10-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,247 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 33,977 sqft (0.78 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 101 sqft |
| Cooling System | None |
|---|---|
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 5 BRUCE ST |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 960301 |
Source: McCreary County records · APN 106-30-10-001.00
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 51, STEARNS, KY 42647-0051 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000028176 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 5 BRUCE ST, STEARNS, KY 42647 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5 BRUCE ST, STEARNS, KY 42647 |
| Document Number | 00M258/143 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | M258/143 |
| Instrument | 156512 |
| Name | UNITED CUMBERLAND BANK |
|---|---|
| Type | Bank |
| Address | WHITLEY CITY, KY 42653 |
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Nov 01, 2045 |
Source: McCreary County records · Assessment roll updated July 1, 2025 · Last verified February 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 | $248.00 (+95.28%) | $80,000 (+29.03%) | $80,000 (+29.03%) |
| 2023 | $127.00 Homeowner's exemption | $62,000 | $62,000 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 47% of the US · above 74% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 893 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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