McCreary County property record for 5237 Skull Bone Tower Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,120 sqft · built 1991 |
| Lot Size | 1.7 acres (74,052 sqft) |
| Owner | Individual Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 025-00-00-027.00 |
| Primary APN | 025-00-00-027.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 1,120 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 74,052 sqft (1.7 acres) |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Water Source | Commercial |
| Street Address | 5237 SKULL BONE TOWER RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-7120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | CO-OPERATIVE |
| Census Block Group | 1 |
| Census Block | 1114 |
| Census Tract | 960200 |
5237 Skull Bone Tower Rd is owned and occupied by an individual.
Source: McCreary County records, as of January 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5237 SKULL BONE TOWER RD, STEARNS, KY 42647-7120 |
| 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 |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: McCreary County assessment roll, as of January 30, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $45,000 | $45,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5237 Skull Bone Tower Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
Source: FEMA National Flood Hazard Layer, effective March 16, 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 |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
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 5237 Skull Bone Tower Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 80% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 | MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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, 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
No cell data coverage reported
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