McCreary County property record for 540 Golf Course Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Aug 2019) |
| Tax Bill | $2,499 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-40-04-069.00 |
| Primary APN | 105-40-04-069.00 |
|---|---|
| Alternative APN |
|
| Lot Area | 39,640 sqft (0.91 acres) |
|---|---|
| Terrain | Rolling |
| Water Source | Commercial |
|---|
| Street Address | 540 GOLF COURSE RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 & HSE |
| Legal Lot Number | 9 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 960301 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Stearns Golf Course listed 2015 · 3 contributing resources · NRIS 15000654 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
540 Golf Course Rd is owned and occupied by an individual who bought it in August 2019.
Source: McCreary County records, as of January 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 540 GOLF COURSE RD, STEARNS, KY 42647-6345 |
| 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.
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK |
| Aug 22, 2019 | Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on File |
| Deed Sale | Aug 22, 2019 · Amount on File |
| Prior Sale | Aug 6, 2012 · Amount on File |
| Deed Document Number | 128632 |
| Deed Book / Page | D220 / 166 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 540 GOLF COURSE RD, STEARNS, KY 42647-6345 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 00M231/598 |
|---|---|
| Date | May 20, 2021 |
| Book Page | M231/598 |
| Instrument | 133803 |
| Name | NORTH AMERICAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Aug 22, 2019 |
| Property Address | 540 GOLF COURSE RD, STEARNS, KY 42647-6345 |
| Document Number | 00D220/166 |
| Book / Page | D220 / 166 |
| Map Reference | DB 198 PG 99 |
| Instrument Date | May 5, 2019 |
| Instrument | 128632 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 GOLF COURSE RD, 540, STEARNS, KY 42647-6345 |
| Name | Verified Name |
|---|---|
| Address | 54 FINS FEATHERS RD, BURNSIDE, KY 42519 |
| Document Number | 00M220/774 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | M220/774 |
| Instrument | 128633 |
| Name | NORTH AMERICAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 540 Golf Course Rd was $2,499.
Source: McCreary County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,499.00 | $360,000 | $360,000 |
| 2023 | $2,559.00 Homeowner's exemption | $360,000 | $360,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Golf Course Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 540 Golf Course Rd is moderate, ranking above 62% 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 62% of the US · above 79% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures