Whitley County property record for 51 Smith Ct, Williamsburg, KY 40769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 3,025 sqft · built 1940 |
| Lot Size | 0.375 acres (16,360 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Apr 2014) |
| Tax Bill | $523 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage May 2023 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092-40-03-007.01 |
| Primary APN | 092-40-03-007.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,025 sqft Living Area |
| Basement Area | 1,349 sqft |
| Finished Basement | 1,349 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,360 sqft (0.375 acres) |
| Terrain | Rolling |
| Garage Area | 852 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 77 sqft |
| Deck Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 51 SMITH CT |
|---|---|
| City | WILLIAMSBURG |
| State | KY |
| Zip | 40769-8033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N |
| Legal Description | HS & LT @ N 11TH ST |
| Jurisdiction | WHITLEY KY |
| Township / Civil Division | WILLIAMSBURG |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 920602 |
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 | 419 N 11TH ST, WILLIAMSBURG, KY 40769-1765 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage HOMETOWN LENDERS INC |
| May 8, 2023 | Deed of Trust, Mortgage · Construction Mortgage FIRST STATE FINANCIAL INC |
| Jun 29, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2014 · Amount on Record |
| Deed Sale | Apr 28, 2014 · Amount on Record |
| Deed Document Number | 2014205639 |
| Deed Book / Page | 521 / 515 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 51 SMITH CT, WILLIAMSBURG, KY 40769-8033 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M706/312 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | M706/312 |
| Instrument | 296426 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 51 SMITH CT, WILLIAMSBURG, KY 40769-8033 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 51 SMITH CT, WILLIAMSBURG, KY 40769-8033 |
| Document Number | 00M703/683 |
|---|---|
| Date | May 8, 2023 |
| Book Page | M703/683 |
| Instrument | 292943 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITLEY KY |
| Property Address | 51 SMITH CT, WILLIAMSBURG, KY 40769-8033 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 419 N 11TH ST, WILLIAMSBURG, KY 40769-1765 |
| Document Number | 00M657/632 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | M657/632 |
| Instrument | 243315 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | WILLIAMSBURG, KY 40769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2050 |
Source: Whitley County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Whitley County |
| Municipality | Williamsburg City |
| Unified School District | Williamsburg Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $523.00 (-3.86%) | $161,500 (-) | $161,500 (-) |
| 2023 | $544.00 | $161,500 | $161,500 |
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 · 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 |
| Nearby Flood Policies | 3 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% 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 | WILLIAMSBURG WATER DEPARTMENT serves 5,554 people · EPA ID KY1180471 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 19 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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