545 Sutton Rd, Olive Hill, KY 41164 Property Records

Carter County property record for 545 Sutton Rd, Olive Hill, KY 41164

Property Summary

Property Type	Mobile Home
Details	1,680 sqft
Lot Size	13.8 acres (602,870 sqft)
Owner	2 Individual Names on File
Last Sale	$171,000 (Jan 2022)
Tax Bill	$1,458 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-00-00-011.02`

Property Details

APN / Parcel Number

Primary APN	`062-00-00-011.02`
Alternative APNs	`31512` `32718`

Interior

Stories	1 Story
Building Area	1,680 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	602,870 sqft (13.8 acres)
Lot Width	300 ft Width
Terrain	Rolling
View / Lot	Waterfront - Canal
Driveway	Driveway
Porch	Slab
Porch Area	1,680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Heating Fuel	Gas

Location & Zoning

Account Number	32718
Street Address	545 SUTTON RD
City	OLIVE HILL
State	KY
Zip	41164-7839
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DWMH & 13.84 ACRES
Jurisdiction	CARTER KY
Township / Civil Division	CARTER
Census Block Group	1
Census Block	1056
Census Tract	960400

Owner

545 Sutton Rd, a mobile home, is owned and occupied by two individuals who bought it in January 2022.

Source: Carter County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 SUTTON RD, OLIVE HILL, KY 41164-7839
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed, Transfer · Conventional Mortgage FIRST OPTION MORTGAGE LLC
Dec 28, 2020	Fiduciary Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on File
Deed Sale	Jan 24, 2022 · Amount on File
Prior Sale	Dec 28, 2020 · Amount on File
Deed Document Number	2022540275
Deed Book / Page	470 / 296
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Jan 24, 2022
Property Address	545 SUTTON RD, OLIVE HILL, KY 41164-7839
Document Number	000470/296
Book / Page	470 / 296
Map Reference	CAB 2 SLV 163
Instrument Date	Jan 21, 2022
Instrument	540275
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2036 TOWNSHIP ROAD 97, 2036, WILLOW WOOD, OH 45696-9018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	545 SUTTON RD, OLIVE HILL, KY 41164-7839

Mortgage

Document Number	0000540276
Date	Jan 24, 2022
Instrument	540276

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CARTER KY
Recording Date	Dec 28, 2020
Property Address	545 SUTTON RD, OLIVE HILL, KY 41164-7839
Document Number	0OR445/542
Book / Page	OR445 / 542
Map Reference	CAB 2 SLV 163
Instrument Date	Dec 15, 2020
Instrument	485502
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 SUTTON RD, OLIVE HILL, KY 41164-7839

Mortgage

Document Number	0000485503
Date	Dec 28, 2020
Instrument	485503

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 545 Sutton Rd was $1,458.

Source: Carter County assessment roll, as of April 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,458.00	$171,000	$171,000
2023	$1,474.00	$171,000	$171,000

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

Flood

FEMA maps place 545 Sutton Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1978–2015)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 claims

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

Wildfire risk around 545 Sutton Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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	0.08% 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	OLIVE HILL MUNICIPAL WATER WORKS serves 6,192 people · EPA ID KY0220335
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Apr 2018
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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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