Morgan County property record for 582 Clarence Oneal Rd, Elkfork, KY 41421
| Property Type | Single Family Home |
|---|---|
| Details | 3,728 sqft · built 2023 |
| Lot Size | 85 acres (3,702,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Apr 2023) |
| Tax Bill | $4,828 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Apr 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-00-00-008.00 |
| Primary APN | 151-00-00-008.00 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,728 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 3,702,600 sqft (85 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 582 CLARENCE ONEAL RD |
|---|---|
| City | ELKFORK |
| State | KY |
| Zip | 41421-8951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, GARAGE & LAND |
| Jurisdiction | MORGAN KY |
| Township / Civil Division | ELKFORK-OPHIR |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 950100 |
582 Clarence Oneal Rd is owned and occupied by an individual who bought it in April 2023.
Source: Morgan County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 582 CLARENCE ONEAL RD, ELKFORK, KY 41421-8951 |
| 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 |
|---|---|
| Aug 29, 2023 | Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL BANK |
| Apr 28, 2023 | Survivorship Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on File |
| Deed Sale | Apr 28, 2023 · Amount on File |
| Deed Document Number | 87673 |
| Deed Book / Page | 250 / 296 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN KY |
| Property Address | 582 CLARENCE ONEAL RD, ELKFORK, KY 41421-8951 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 582 CLARENCE ONEAL RD, ELKFORK, KY 41421-8951 |
| Document Number | 0000220/28 |
|---|---|
| Date | Aug 29, 2023 |
| Book Page | 220/28 |
| Instrument | 89873 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 62 Months |
| Due | Oct 13, 2028 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MORGAN KY |
| Recording Date | Apr 28, 2023 |
| Property Address | 582 CLARENCE ONEAL RD, ELKFORK, KY 41421-8951 |
| Document Number | 000250/296 |
| Book / Page | 250 / 296 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 87673 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3506 HIGHWAY 650, ELKFORK, KY 41421-9069 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 582 CLARENCE ONEAL ROAD, ELKFORK, KY 41421-8951 |
The 2025 property tax bill for 582 Clarence Oneal Rd was $4,828.
Source: Morgan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Morgan County |
| Unified School District | Morgan County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,828.00 | $395,000 | $395,000 |
| 2023 | $94.00 | $7,500 | $7,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 582 Clarence Oneal Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 15, 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 Policies | 1 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.
Wildfire risk around 582 Clarence Oneal Rd is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 74% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.09% 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 | MORGAN COUNTY WATER DISTRICT serves 7,502 people · EPA ID KY0880594 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
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