545 Murphy Subdivision Rd, Stearns, KY 42647 Property Records

McCreary County property record for 545 Murphy Subdivision Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,190 sqft · built 1975
Lot Size	1.1 acres (48,177 sqft)
Owner	Individual Name on Record
Last Sale	$108,000 (Jun 2018)
Tax Bill	$868 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`107-00-00-051.00`

Property Details

APN / Parcel Number

Primary APN	`107-00-00-051.00`
Alternative APN	`18600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,190 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1975
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,177 sqft (1.1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	100 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	545 MURPHY SUBDIVISION RD
City	STEARNS
State	KY
Zip	42647-6245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.106 AC & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2032
Census Tract	960302

Owner

Source: McCreary County records, as of January 29, 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	545 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HOUSING CORP
Jun 12, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Jun 18, 2013 · Amount on Record
Deed Document Number	125313
Deed Book / Page	D216 / 097
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	545 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M215/183
Date	Jun 12, 2018
Book Page	M215/183
Instrument	125314

Lender

Name	KENTUCKY HOUSING CORP
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Jun 12, 2018
Property Address	545 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6245
Document Number	00D216/097
Book / Page	D216 / 097
Instrument Date	Jun 8, 2018
Instrument	125313
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Tax	$108.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1079 LOWER SHIRT FACTORY RD, 1079, STEARNS, KY 42647-6391

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 MURPHY SUBDIVISION RD, STRUNK, KY 42649

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	McCreary County
Unified School District	McCreary County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$868.00 (-1.48%)	$108,000 (-)	$108,000 (-)
2023	$881.00	$108,000	$108,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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

Cell Coverage

5G and 4G LTE (outdoors only)

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